Which mortgage lender in the Manhattan, KS area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Manhattan, KS area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Manhattan, KS area in terms of interest rate is Capitol Federal Savings Bank, with an average “Rate Difference” of -0.16%. This means that, comparing similar borrowers, Capitol Federal Savings Bank provided a -0.16% lower interest rate for its customers than other lenders in the area. Capitol Federal Savings Bank has a market share of 8.5%. On the other hand, the most popular lender in the Manhattan, KS area is PrimeLending, with a larger market share of 17.2%. However, PrimeLending also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.13% compared to those of other lenders. We recommend shopping around before going with this popular lender.
Our detailed ranking of mortgage lenders in the Manhattan, KS area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, Capitol Federal Savings Bank is the cheapest mortgage provider for Conventional and Jumbo mortgages in Manhattan, KS. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Central National Bank. The cheapest VA mortgage provider is Central National Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Manhattan, KS
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.16% | 8.48% | |
| Bank of the Flint Hills | -0.10% | 5.39% | |
| Community First National Bank | -0.07% | 5.57% | |
| Central National Bank | -0.07% | 6.42% | |
| Navy Federal Credit Union | -0.04% | 4.71% | |
| Fairway Independent Mortgage Corporation | -0.03% | 7.45% | |
| KS StateBank | -0.02% | 12.59% | |
| Landmark National Bank | -0.01% | 11.13% | |
| USAA | 0.01% | 6.42% | |
| Meritrust Credit Union | 0.03% | 3.34% | |
| New American Funding | 0.08% | 3.00% | |
| Quicken Loans | 0.11% | 8.30% | |
| PrimeLending | 0.13% | 17.21% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.15% | 7.30% | |
| Community First National Bank | -0.12% | 5.06% | |
| Central National Bank | -0.09% | 7.42% | |
| Navy Federal Credit Union | -0.05% | 5.65% | |
| Bank of the Flint Hills | -0.05% | 2.47% | |
| Fairway Independent Mortgage Corporation | -0.04% | 9.54% | |
| KS StateBank | -0.03% | 12.25% | |
| Landmark National Bank | -0.02% | 11.31% | |
| USAA | 0.01% | 7.54% | |
| Meritrust Credit Union | 0.04% | 2.24% | |
| New American Funding | 0.09% | 3.42% | |
| Quicken Loans | 0.12% | 3.89% | |
| PrimeLending | 0.13% | 21.91% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.18% | 11.60% | |
| Bank of the Flint Hills | -0.12% | 13.17% | |
| Navy Federal Credit Union | -0.00% | 2.19% | |
| New American Funding | -0.00% | 1.88% | |
| Community First National Bank | 0.02% | 6.90% | |
| KS StateBank | 0.02% | 13.48% | |
| Central National Bank | 0.02% | 3.76% | |
| Meritrust Credit Union | 0.03% | 6.27% | |
| Fairway Independent Mortgage Corporation | 0.03% | 1.88% | |
| USAA | 0.03% | 3.45% | |
| Landmark National Bank | 0.03% | 10.66% | |
| PrimeLending | 0.04% | 4.70% | |
| Quicken Loans | 0.12% | 20.06% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.16% | 14.31% | |
| Bank of the Flint Hills | -0.10% | 8.85% | |
| Community First National Bank | -0.07% | 8.85% | |
| Central National Bank | -0.06% | 6.34% | |
| KS StateBank | -0.01% | 12.54% | |
| Fairway Independent Mortgage Corporation | 0.02% | 3.10% | |
| Landmark National Bank | 0.02% | 12.98% | |
| Meritrust Credit Union | 0.04% | 5.75% | |
| USAA | 0.04% | 1.18% | |
| New American Funding | 0.06% | 0.74% | |
| PrimeLending | 0.13% | 16.52% | |
| Navy Federal Credit Union | 0.14% | 1.33% | |
| Quicken Loans | 0.16% | 7.52% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.15% | 13.90% | |
| Community First National Bank | -0.13% | 8.88% | |
| Central National Bank | -0.09% | 7.52% | |
| Bank of the Flint Hills | -0.05% | 4.56% | |
| KS StateBank | -0.03% | 12.07% | |
| Fairway Independent Mortgage Corporation | 0.01% | 3.87% | |
| Landmark National Bank | 0.01% | 12.98% | |
| USAA | 0.03% | 1.14% | |
| Meritrust Credit Union | 0.04% | 4.33% | |
| New American Funding | 0.05% | 1.14% | |
| PrimeLending | 0.14% | 22.55% | |
| Navy Federal Credit Union | 0.14% | 1.82% | |
| Quicken Loans | 0.14% | 5.24% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.17% | 15.06% | |
| Bank of the Flint Hills | -0.12% | 16.74% | |
| Community First National Bank | 0.03% | 8.79% | |
| Central National Bank | 0.03% | 4.18% | |
| KS StateBank | 0.04% | 13.39% | |
| Meritrust Credit Union | 0.04% | 8.37% | |
| Fairway Independent Mortgage Corporation | 0.04% | 1.67% | |
| Landmark National Bank | 0.05% | 12.97% | |
| USAA | 0.05% | 1.26% | |
| PrimeLending | 0.06% | 5.44% | |
| Navy Federal Credit Union | 0.07% | 0.42% | |
| Quicken Loans | 0.19% | 11.72% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Central National Bank | -0.07% | 8.14% | |
| Fairway Independent Mortgage Corporation | -0.07% | 15.12% | |
| KS StateBank | -0.02% | 11.63% | |
| Landmark National Bank | -0.01% | 8.14% | |
| Quicken Loans | 0.02% | 20.93% | |
| PrimeLending | 0.03% | 23.26% | |
| New American Funding | 0.06% | 12.79% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Central National Bank | -0.07% | 9.86% | |
| Fairway Independent Mortgage Corporation | -0.06% | 18.31% | |
| KS StateBank | -0.02% | 12.68% | |
| Landmark National Bank | -0.01% | 9.86% | |
| Quicken Loans | 0.01% | 7.04% | |
| PrimeLending | 0.04% | 26.76% | |
| New American Funding | 0.07% | 15.49% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| KS StateBank | -0.03% | 6.67% | |
| PrimeLending | -0.01% | 6.67% | |
| Quicken Loans | 0.00% | 86.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | -0.00% | 33.33% | |
| KS StateBank | -0.00% | 16.67% | |
| Community First National Bank | 0.00% | 16.67% | |
| Bank of the Flint Hills | 0.00% | 33.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Capitol Federal Savings Bank | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| KS StateBank | -0.00% | 20.00% | |
| Capitol Federal Savings Bank | -0.00% | 20.00% | |
| Community First National Bank | -0.00% | 20.00% | |
| Bank of the Flint Hills | 0.00% | 40.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Central National Bank | -0.09% | 6.28% | |
| Navy Federal Credit Union | -0.08% | 11.56% | |
| Landmark National Bank | -0.07% | 8.79% | |
| Fairway Independent Mortgage Corporation | -0.05% | 13.32% | |
| KS StateBank | -0.04% | 12.81% | |
| Community First National Bank | -0.01% | 1.01% | |
| Bank of the Flint Hills | -0.00% | 0.25% | |
| USAA | 0.00% | 16.83% | |
| New American Funding | 0.07% | 4.77% | |
| Quicken Loans | 0.08% | 7.04% | |
| PrimeLending | 0.14% | 17.34% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Central National Bank | -0.10% | 6.80% | |
| Navy Federal Credit Union | -0.08% | 11.83% | |
| Landmark National Bank | -0.08% | 9.47% | |
| Fairway Independent Mortgage Corporation | -0.05% | 15.09% | |
| KS StateBank | -0.04% | 12.43% | |
| Community First National Bank | -0.00% | 1.18% | |
| Bank of the Flint Hills | 0.00% | 0.30% | |
| USAA | 0.01% | 17.46% | |
| Quicken Loans | 0.09% | 1.48% | |
| New American Funding | 0.12% | 3.85% | |
| PrimeLending | 0.15% | 20.12% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.05% | 10.00% | |
| KS StateBank | -0.05% | 15.00% | |
| New American Funding | -0.04% | 10.00% | |
| Landmark National Bank | -0.03% | 5.00% | |
| USAA | -0.01% | 13.33% | |
| Fairway Independent Mortgage Corporation | -0.01% | 3.33% | |
| PrimeLending | -0.01% | 1.67% | |
| Central National Bank | -0.01% | 3.33% | |
| Quicken Loans | 0.05% | 38.33% |
* Data is compiled for the Manhattan, KS commuting zone area, which comprises of counties of Clay County, KS, Geary County, KS, Morris County, KS, Pottawatomie County, KS, and Riley County, KS. This includes cities/towns/communities of Manhattan, KS as well as St. George, KS, Junction City, KS, Milford, KS, Wamego, KS, Riley, KS, Ogden, KS, Wheaton, KS, St. Marys, KS, Clay Center, KS, Wakefield, KS, White City, KS, Grandview Plaza, KS, and Council Grove, KS. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
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