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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 Manhattan
Updated February 5, 2026
Market Overview
28
Total Lenders
1,234
Total Loans
0.11%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Exchange Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,316 | -0.403% | 117 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $671 | -0.653% | 32 | |
3 | Landmark National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $839 | -0.023% | 148 | |
4 | Central National Bank | Exceptional | Exceptional | Sound | Strong | Strong | $921 | +0.066% | 38 | |
5 | Capitol Federal Savings Bank | Exceptional | Exceptional | Strong | Strong | Sound | $991 | -0.186% | 15 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,086 | -0.048% | 97 | |
7 | Bank of the Flint Hills | Strong | Sound | Sound | Exceptional | Exceptional | $1,075 | +0.189% | 77 | |
8 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $1,876 | +0.177% | 23 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,143 | +0.289% | 54 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,346 | -0.015% | 80 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $1,830 | +0.176% | 53 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,982 | +0.366% | 42 | |
13 | Armed Forces Bank, National Association | Strong | Sound | Sound | Sound | Strong | $1,057 | +0.016% | 32 | |
14 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $968 | -0.076% | 30 | |
15 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,218 | +0.572% | 12 | |
16 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,207 | +0.723% | 12 | |
17 | Commerce Bank | Strong | Sound | Strong | Sound | Sound | $630 | +0.226% | 12 | |
18 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,851 | +0.097% | 11 | |
19 | KANSAS STATE UNIVERSITY Federal Credit Union | Strong | Sound | Acceptable | Sound | Strong | $1,768 | +0.070% | 23 | |
20 | ESB Financial | Strong | Sound | Acceptable | Strong | Sound | $1,036 | +0.364% | 12 | |
21 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | 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 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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