I’m not sure which top 10 lists the OP is seeing.
Maybe the USNWR mathematics graduate program ranking?
Admission “match” schools on that list might include (working down from the top):
NYU
Wisconsin
Minnesota
Rutgers
UCSD
Washington
Ohio State
Penn State
Purdue
Indiana
UC-Davis
Utah
Brandeis
TAMU
Arizona
UC Irvine
Michigan State
UC-SB
Colorado-Boulder
In other words, lots of state flagships and big directional state universities seem to have good programs (at least at the graduate level). Some of them might be safeties for the OP.
Michigan-AA also would be a great choice, but seems to be more selective than any of the above.
For the best sticker price, check out public universities in your home state.
For good need-based aid, Brandeis (a small private university) might be a good choice.
Among LACs that aren’t super selective, St. Olaf College (Northfield, MN) seems to have one of the strongest math programs.