Safe Rate Rankings

Best Conventional Mortgage Lenders in Manhattan

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 Lenders28

Total Loans1,234

Median Rate Spread0.11%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Exchange BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,316Fees	0.403%Below	117
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$671Fees	0.653%Below	32
3	Landmark National BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$839Fees	0.023%Below	148
4	Central National BankBank	Exceptional	Exceptional	Sound	Strong	Strong	$921Fees	0.066%Above	38
5	Capitol Federal Savings BankBank	Exceptional	Exceptional	Strong	Strong	Sound	$991Fees	0.186%Below	15
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,086Fees	0.048%Below	97
7	Bank of the Flint HillsBank	Strong	Sound	Sound	Exceptional	Exceptional	$1,075Fees	0.189%Above	77
8	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$1,876Fees	0.177%Above	23
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,143Fees	0.289%Above	54
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,346Fees	0.015%Below	80
11	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,830Fees	0.176%Above	53
12	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,982Fees	0.366%Above	42
13	Armed Forces Bank, National AssociationBank	Strong	Sound	Sound	Sound	Strong	$1,057Fees	0.016%Above	32
14	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$968Fees	0.076%Below	30
15	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,218Fees	0.572%Above	12
16	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,207Fees	0.723%Above	12
17	Commerce BankBank	Strong	Sound	Strong	Sound	Sound	$630Fees	0.226%Above	12
18	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,851Fees	0.097%Above	11
19	KANSAS STATE UNIVERSITY Federal Credit UnionCredit Union	Strong	Sound	Acceptable	Sound	Strong	$1,768Fees	0.070%Above	23
20	ESB FinancialBank	Strong	Sound	Acceptable	Strong	Sound	$1,036Fees	0.364%Above	12
21	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,216Fees	0.611%Above	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 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.