🛡️
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 Mortgage Lenders in Atlantic City
Updated February 5, 2026
Market Overview
73
Total Lenders
4,367
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National Association | Exceptional | Exceptional | Exceptional | Exceptional | $164 | +0.016% | 201 | |
2 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | $1,287 | +0.878% | 139 | |
3 | POLICE & FIRE | Exceptional | Exceptional | Strong | Strong | $564 | -0.016% | 48 | |
4 | Valley National Bank | Exceptional | Exceptional | Strong | Strong | $1,611 | +0.053% | 36 | |
5 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,346 | +0.052% | 203 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $334 | -0.549% | 30 | |
7 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Exceptional | $2,400 | +0.333% | 374 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $511 | -0.062% | 126 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,585 | -0.306% | 56 | |
10 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,906 | +0.029% | 47 | |
11 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $1,781 | -0.267% | 32 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,231 | +0.258% | 116 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,144 | -0.040% | 94 | |
14 | PHILADELPHIA FEDERAL CREDIT UNION | Strong | Strong | Sound | Strong | $567 | +0.230% | 74 | |
15 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $1,135 | +0.110% | 26 | |
16 | Wilmington Savings Fund Society, FSB | Strong | Strong | Strong | Sound | $3,359 | -0.014% | 22 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,742 | +0.393% | 364 | |
18 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,165 | +0.204% | 118 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,554 | +0.350% | 69 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,054 | +0.458% | 57 | |
21 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,311 | +0.266% | 47 | |
22 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $2,190 | +0.398% | 44 | |
23 | 1st Colonial Community Bank | Strong | Sound | Strong | Strong | $2,172 | +0.302% | 30 | |
24 | MERIDIAN BANK | Strong | Sound | Exceptional | Sound | $3,197 | +0.472% | 26 | |
25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $3,593 | +0.616% | 20 | |
26 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Exceptional | $2,350 | +0.511% | 289 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,061 | +0.531% | 208 | |
28 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Exceptional | $1,959 | +0.517% | 142 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,899 | +0.578% | 84 | |
30 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $2,840 | +0.472% | 67 | |
31 | TD Bank, National Association | Strong | Sound | Sound | Strong | $973 | +0.245% | 62 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,971 | +0.290% | 50 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,946 | +0.646% | 50 | |
34 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $4,461 | +0.339% | 42 | |
35 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,197 | +0.299% | 153 | |
36 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $2,847 | +0.577% | 50 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,269 | +0.414% | 66 | |
38 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,010 | +0.364% | 65 | |
39 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $2,240 | +1.231% | 37 | |
40 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,570 | +0.563% | 37 | |
41 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $3,133 | +0.201% | 24 | |
42 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,468 | +0.486% | 22 | |
43 | TRUMARK FINANCIAL CREDIT UNION | Sound | Acceptable | Sound | Sound | $2,827 | -0.010% | 26 | |
44 | FIRST ALLIANCE HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | $3,633 | +0.617% | 26 | |
45 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $5,219 | +0.658% | 39 | |
46 | Acre Mortgage & Financial, Inc. | Sound | Mediocre | Strong | Sound | $2,582 | +0.600% | 23 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Atlantic City
No credit impact
3-minute process
100% free