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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 Mortgage Lenders in Manhattan
Updated February 5, 2026
Market Overview
28
Total Lenders
1,234
Total Loans
0.11%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Exchange Bank | Exceptional | Exceptional | Exceptional | Exceptional | $1,316 | -0.403% | 117 | |
2 | Landmark National Bank | Exceptional | Strong | Exceptional | Exceptional | $839 | -0.023% | 148 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $671 | -0.653% | 32 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,086 | -0.048% | 97 | |
5 | Bank of the Flint Hills | Strong | Sound | Strong | Exceptional | $1,075 | +0.189% | 77 | |
6 | Central National Bank | Strong | Strong | Sound | Strong | $921 | +0.066% | 38 | |
7 | Armed Forces Bank, National Association | Strong | Strong | Sound | Strong | $1,057 | +0.016% | 32 | |
8 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Sound | $1,876 | +0.177% | 23 | |
9 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,166 | +0.529% | 197 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,346 | -0.015% | 80 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,143 | +0.289% | 54 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $1,830 | +0.176% | 53 | |
13 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $968 | -0.076% | 30 | |
14 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,497 | +0.063% | 23 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,982 | +0.366% | 42 | |
16 | KANSAS STATE UNIVERSITY Federal Credit Union | Strong | Sound | Acceptable | Strong | $1,768 | +0.070% | 23 | |
17 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Sound | $3,216 | +0.611% | 29 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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