# Best Conventional Mortgage Lenders in Manhattan, KS

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Manhattan, KS. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/manhattan-ks/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 28
- **Total Loans:** 1,234
- **Median Rate Spread:** 0.10582142857142855%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Exchange Bank | 89 | 87 | 79 | 117 | Bank |
| 2 | Landmark National Bank | 85 | 67 | 79 | 148 | Bank |
| 3 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 32 | Credit Union |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 97 | Independent Mortgage Company |
| 5 | Central National Bank | 79 | 80 | 66 | 38 | Bank |
| 6 | Capitol Federal Savings Bank | 79 | 88 | 71 | 15 | Bank |
| 7 | Bank of the Flint Hills | 77 | 52 | 90 | 77 | Bank |
| 8 | FLAT BRANCH MORTGAGE, INC. | 77 | 59 | 84 | 23 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 54 | Independent Mortgage Company |
| 10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 80 | Independent Mortgage Company |
| 11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 71 | 26 | 76 | 53 | Independent Mortgage Company |
| 12 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 42 | Independent Mortgage Company |
| 13 | LEADERONE FINANCIAL CORPORATION | 66 | 24 | 66 | 12 | Independent Mortgage Company |
| 14 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 12 | Independent Mortgage Company |
| 15 | Flagstar Bank, N.A. | 66 | 34 | 72 | 11 | Bank |
| 16 | Armed Forces Bank, National Association | 64 | 57 | 43 | 32 | Bank |
| 17 | Commerce Bank | 64 | 54 | 49 | 12 | Bank |
| 18 | USAA Federal Savings Bank | 63 | 53 | 27 | 30 | Bank |
| 19 | KANSAS STATE UNIVERSITY Federal Credit Union | 58 | 45 | 47 | 23 | Credit Union |
| 20 | ESB Financial | 58 | 42 | 72 | 12 | Bank |
| 21 | Luminate Home Loans, Inc. | 56 | 14 | 66 | 29 | Independent Mortgage Company |
| 22 | The Farmers State Bank of Westmoreland | 44 | N/A | 73 | 14 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Manhattan, KS.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.