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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 Lenders in Manchester
Updated February 5, 2026
Market Overview
73
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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $324 | -0.469% | 34 | |
4 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Strong | Sound | $1,482 | +0.334% | 13 | |
5 | HARBORONE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,359 | +0.127% | 112 | |
6 | DIGITAL | Exceptional | Exceptional | Strong | Acceptable | Strong | $1,291 | -0.070% | 60 | |
7 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,531 | +0.086% | 53 | |
8 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $536 | -0.057% | 21 | |
9 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $56 | -0.242% | 16 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $841 | +0.135% | 13 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,086 | +0.282% | 409 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,695 | +0.293% | 309 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,100 | +0.283% | 66 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,087 | +0.346% | 475 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,712 | +0.294% | 285 | |
16 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,302 | +0.490% | 191 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,122 | +0.474% | 158 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,903 | +0.376% | 153 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,952 | -0.001% | 45 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,203 | +0.411% | 34 | |
21 | JEANNE D'ARC Credit Union | Strong | Strong | Sound | Sound | Strong | $924 | -0.109% | 32 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,673 | +0.247% | 30 | |
23 | Enterprise Bank and Trust Company | Strong | Strong | Sound | Sound | Strong | $962 | -0.079% | 30 | |
24 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,629 | +0.129% | 20 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $141 | -0.158% | 20 | |
26 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $1,189 | +0.253% | 15 | |
27 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $2,538 | +0.182% | 13 | |
28 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Sound | $545 | +0.162% | 10 | |
29 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,643 | +0.141% | 116 | |
30 | St. Mary's Bank Credit Union | Strong | Sound | Sound | Sound | Exceptional | $1,266 | +0.137% | 105 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,283 | +0.380% | 97 | |
32 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,034 | +0.494% | 68 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,759 | +0.270% | 42 | |
34 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $218 | +0.598% | 31 | |
35 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,976 | +0.339% | 75 | |
36 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,499 | +0.329% | 62 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,914 | +0.440% | 52 | |
38 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $3,431 | +0.618% | 38 | |
39 | Bar Harbor Bank & Trust | Strong | Sound | Sound | Sound | Strong | $1,377 | +0.510% | 35 | |
40 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $726 | +0.372% | 33 | |
41 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $6,042 | +0.293% | 24 | |
42 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,535 | +0.010% | 21 | |
43 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | -$431 | +0.264% | 16 | |
44 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $4,699 | +0.415% | 13 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,473 | +0.348% | 72 | |
46 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Sound | Strong | $3,352 | +0.494% | 37 | |
47 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Strong | Sound | $2,205 | +0.320% | 26 | |
48 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Sound | $1,157 | +0.176% | 23 | |
49 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Sound | $1,412 | +0.274% | 17 | |
50 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,220 | +0.338% | 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)
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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