Safe Rate Rankings

Best Conventional Mortgage Lenders in Manchester

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders73

Total Loans4,162

Median Rate Spread0.20%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Leader Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$869Fees	0.066%Below	61
2	Bangor Savings BankBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$776Fees	0.013%Below	26
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$324Fees	0.469%Below	34
4	NBT Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Sound	$1,482Fees	0.334%Above	13
5	HARBORONE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,359Fees	0.127%Above	112
6	DIGITALCredit Union	Exceptional	Exceptional	Strong	Acceptable	Strong	$1,291Fees	0.070%Below	60
7	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,531Fees	0.086%Above	53
8	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$536Fees	0.057%Below	21
9	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$56Fees	0.242%Below	16
10	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$841Fees	0.135%Above	13
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,086Fees	0.282%Above	409
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,695Fees	0.293%Above	309
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,100Fees	0.283%Above	66
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,087Fees	0.346%Above	475
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,712Fees	0.294%Above	285
16	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,302Fees	0.490%Above	191
17	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,122Fees	0.474%Above	158
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,903Fees	0.376%Above	153
19	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,952Fees	0.001%Below	45
20	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,203Fees	0.411%Above	34
21	JEANNE D'ARC Credit UnionCredit Union	Strong	Strong	Sound	Sound	Strong	$924Fees	0.109%Below	32
22	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,673Fees	0.247%Above	30
23	Enterprise Bank and Trust CompanyBank	Strong	Strong	Sound	Sound	Strong	$962Fees	0.079%Below	30
24	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,629Fees	0.129%Above	20
25	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$141Fees	0.158%Below	20
26	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Sound	$1,189Fees	0.253%Above	15
27	Northpointe BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,538Fees	0.182%Above	13
28	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Sound	$545Fees	0.162%Above	10
29	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,643Fees	0.141%Above	116
30	St. Mary's Bank Credit UnionCredit Union	Strong	Sound	Sound	Sound	Exceptional	$1,266Fees	0.137%Above	105
31	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,283Fees	0.380%Above	97
32	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,034Fees	0.494%Above	68
33	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,759Fees	0.270%Above	42
34	AMERANT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$218Fees	0.598%Above	31
35	NORTHPOINT MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,976Fees	0.339%Above	75
36	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,499Fees	0.329%Above	62
37	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,914Fees	0.440%Above	52
38	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,431Fees	0.618%Above	38
39	Bar Harbor Bank & TrustBank	Strong	Sound	Sound	Sound	Strong	$1,377Fees	0.510%Above	35
40	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$726Fees	0.372%Above	33
41	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$6,042Fees	0.293%Above	24
42	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,535Fees	0.010%Above	21
43	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$431Credit	0.264%Above	16
44	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$4,699Fees	0.415%Above	13
45	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,473Fees	0.348%Above	72
46	MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,352Fees	0.494%Above	37
47	NEW FED MORTGAGE, CORP.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,205Fees	0.320%Above	26
48	SALEM FIVE MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,157Fees	0.176%Above	23
49	RADIUS FINANCIAL GROUP INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,412Fees	0.274%Above	17
50	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,220Fees	0.338%Above	13

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.