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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Bank Lenders in Manchester
Updated February 5, 2026
Market Overview
17
Total Lenders
4,162
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $869 | -0.066% | 61 | |
2 | Bangor Savings Bank | Exceptional | Exceptional | Exceptional | Strong | Sound | $776 | -0.013% | 26 | |
3 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Strong | Sound | $1,482 | +0.334% | 13 | |
4 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,531 | +0.086% | 53 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $536 | -0.057% | 21 | |
6 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $56 | -0.242% | 16 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $841 | +0.135% | 13 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,673 | +0.247% | 30 | |
9 | Enterprise Bank and Trust Company | Strong | Strong | Sound | Sound | Strong | $962 | -0.079% | 30 | |
10 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $1,189 | +0.253% | 15 | |
11 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $2,538 | +0.182% | 13 | |
12 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Sound | $545 | +0.162% | 10 | |
13 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Strong | Acceptable | Sound | $93 | -0.158% | 12 | |
14 | Bar Harbor Bank & Trust | Strong | Sound | Sound | Sound | Strong | $1,377 | +0.510% | 35 | |
15 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $726 | +0.372% | 33 | |
16 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $4,699 | +0.415% | 13 | |
17 | Merrimack County Savings Bank | Sound | Sound | Acceptable | Acceptable | Sound | $844 | +0.248% | 20 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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