Top Mortgage Lenders in the Manhattan, KS area

Which mortgage lender in the Manhattan, KS area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Manhattan, KS area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Manhattan, KS area is Capitol Federal Savings Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.16%. This means that Capitol Federal Savings Bank provided a -0.16% lower interest rate for its customers than other lenders in Manhattan, KS for a similar set of borrowers. Capitol Federal Savings Bank has a market share of 8.5%. On the other hand, the most popular lender in the market is Primelending, with a market share of 17.2%. Primelending is an average rate lender in this area, with a “Rate Difference” of +0.13% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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, the cheapest lender for Conventional mortgages in Manhattan, KS is Capitol Federal Savings Bank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Capitol Federal Savings Bank. 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. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.16% 8.53%
Bank of the Flint Hills 2, -0.10% 5.38%
Community First National Bank 3, -0.07% 5.55%
Central National Bank 4, -0.07% 6.40%
Navy Federal Credit Union 5, -0.04% 4.78%
Fairway Independent Mort Corp 6, -0.03% 7.42%
KS StateBank 7, -0.02% 12.54%
Landmark National Bank 8, -0.01% 11.09%
Usaa Federal Savings Bank 9, 0.01% 6.40%
Meritrust Credit Union 10, 0.03% 3.33%
New American Funding 11, 0.08% 2.99%
Quicken Loans 12, 0.11% 8.36%
Primelending 13, 0.13% 17.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.15% 7.29%
Community First National Bank 2, -0.12% 5.06%
Central National Bank 3, -0.09% 7.41%
Navy Federal Credit Union 4, -0.05% 5.65%
Bank of the Flint Hills 5, -0.05% 2.47%
Fairway Independent Mort Corp 6, -0.04% 9.53%
KS StateBank 7, -0.03% 12.24%
Landmark National Bank 8, -0.02% 11.29%
Usaa Federal Savings Bank 9, 0.01% 7.53%
Meritrust Credit Union 10, 0.04% 2.24%
New American Funding 11, 0.09% 3.41%
Quicken Loans 12, 0.12% 3.88%
Primelending 13, 0.13% 22.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.17% 11.80%
Bank of the Flint Hills 2, -0.12% 13.04%
New American Funding 3, -0.00% 1.86%
Navy Federal Credit Union 4, -0.00% 2.48%
Community First National Bank 5, 0.01% 6.83%
KS StateBank 6, 0.02% 13.35%
Central National Bank 7, 0.02% 3.73%
Meritrust Credit Union 8, 0.02% 6.21%
Fairway Independent Mort Corp 9, 0.03% 1.86%
Usaa Federal Savings Bank 10, 0.03% 3.42%
Landmark National Bank 11, 0.03% 10.56%
Primelending 12, 0.04% 4.66%
Quicken Loans 13, 0.12% 20.19%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.16% 14.29%
Bank of the Flint Hills 2, -0.10% 8.84%
Community First National Bank 3, -0.07% 8.84%
Central National Bank 4, -0.06% 6.33%
KS StateBank 5, -0.01% 12.52%
Fairway Independent Mort Corp 6, 0.02% 3.09%
Landmark National Bank 7, 0.02% 12.96%
Meritrust Credit Union 8, 0.04% 5.74%
Usaa Federal Savings Bank 9, 0.04% 1.18%
New American Funding 10, 0.06% 0.74%
Primelending 11, 0.13% 16.64%
Navy Federal Credit Union 12, 0.14% 1.33%
Quicken Loans 13, 0.16% 7.51%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.15% 13.86%
Community First National Bank 2, -0.13% 8.86%
Central National Bank 3, -0.09% 7.50%
Bank of the Flint Hills 4, -0.05% 4.55%
KS StateBank 5, -0.03% 12.05%
Fairway Independent Mort Corp 6, 0.00% 3.86%
Landmark National Bank 7, 0.01% 12.95%
Usaa Federal Savings Bank 8, 0.03% 1.14%
Meritrust Credit Union 9, 0.04% 4.32%
New American Funding 10, 0.05% 1.14%
Primelending 11, 0.14% 22.73%
Navy Federal Credit Union 12, 0.14% 1.82%
Quicken Loans 13, 0.14% 5.23%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.17% 15.06%
Bank of the Flint Hills 2, -0.12% 16.74%
Community First National Bank 3, 0.03% 8.79%
Central National Bank 4, 0.03% 4.18%
KS StateBank 5, 0.04% 13.39%
Meritrust Credit Union 6, 0.04% 8.37%
Fairway Independent Mort Corp 7, 0.04% 1.67%
Landmark National Bank 8, 0.05% 12.97%
Usaa Federal Savings Bank 9, 0.05% 1.26%
Primelending 10, 0.06% 5.44%
Navy Federal Credit Union 11, 0.07% 0.42%
Quicken Loans 12, 0.19% 11.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Central National Bank 1, -0.07% 8.14%
Fairway Independent Mort Corp 2, -0.07% 15.12%
KS StateBank 3, -0.02% 11.63%
Landmark National Bank 4, -0.01% 8.14%
Quicken Loans 5, 0.02% 20.93%
Primelending 6, 0.03% 23.26%
New American Funding 7, 0.06% 12.79%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Central National Bank 1, -0.07% 9.86%
Fairway Independent Mort Corp 2, -0.06% 18.31%
KS StateBank 3, -0.02% 12.68%
Landmark National Bank 4, -0.01% 9.86%
Quicken Loans 5, 0.01% 7.04%
Primelending 6, 0.04% 26.76%
New American Funding 7, 0.07% 15.49%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
KS StateBank 1, -0.03% 6.67%
Primelending 2, -0.01% 6.67%
Quicken Loans 3, 0.00% 86.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, -0.00% 42.86%
KS StateBank 2, -0.00% 14.29%
Community First National Bank 3, 0.00% 14.29%
Bank of the Flint Hills 4, 0.00% 28.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Capitol Federal Savings Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
KS StateBank 1, -0.00% 16.67%
Capitol Federal Savings Bank 2, -0.00% 33.33%
Community First National Bank 3, -0.00% 16.67%
Bank of the Flint Hills 4, 0.00% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Central National Bank 1, -0.09% 6.25%
Navy Federal Credit Union 2, -0.08% 11.75%
Landmark National Bank 3, -0.07% 8.75%
Fairway Independent Mort Corp 4, -0.05% 13.25%
KS StateBank 5, -0.04% 12.75%
Community First National Bank 6, -0.01% 1.00%
Bank of the Flint Hills 7, -0.00% 0.25%
Usaa Federal Savings Bank 8, 0.00% 16.75%
Quicken Loans 9, 0.07% 7.25%
New American Funding 10, 0.07% 4.75%
Primelending 11, 0.14% 17.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Central National Bank 1, -0.10% 6.80%
Navy Federal Credit Union 2, -0.08% 11.83%
Landmark National Bank 3, -0.08% 9.47%
Fairway Independent Mort Corp 4, -0.05% 15.09%
KS StateBank 5, -0.04% 12.43%
Community First National Bank 6, -0.00% 1.18%
Bank of the Flint Hills 7, 0.00% 0.30%
Usaa Federal Savings Bank 8, 0.01% 17.46%
Quicken Loans 9, 0.09% 1.48%
New American Funding 10, 0.12% 3.85%
Primelending 11, 0.15% 20.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
KS StateBank 1, -0.05% 14.52%
Navy Federal Credit Union 2, -0.05% 11.29%
New American Funding 3, -0.04% 9.68%
Landmark National Bank 4, -0.03% 4.84%
Fairway Independent Mort Corp 5, -0.01% 3.23%
Usaa Federal Savings Bank 6, -0.01% 12.90%
Primelending 7, -0.01% 1.61%
Central National Bank 8, -0.01% 3.23%
Quicken Loans 9, 0.05% 38.71%

* 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 for the data comes from 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 based on the MSA, 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.

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