# Best Mortgage Lenders in Atlantic City

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

Compare the top mortgage lenders in Atlantic City. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/atlantic-city/best-mortgage-lenders


> **📋 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:** 73
- **Total Loans:** 4,367
- **Median Rate Spread:** 0.39280281690140845%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | OceanFirst Bank, National Association | 100 | 94 | 83 | 201 | Bank |
| 2 | NATION ONE MORTGAGE CORPORATION | 93 | 61 | 94 | 139 | Independent Mortgage Company |
| 3 | Citizens Bank, National Association | 86 | 69 | 62 | 203 | Bank |
| 4 | POLICE & FIRE | 86 | 91 | 62 | 48 | Credit Union |
| 5 | Valley National Bank | 86 | 87 | 65 | 36 | Bank |
| 6 | Advisors Mortgage Group, L.L.C. | 84 | 45 | 83 | 374 | Independent Mortgage Company |
| 7 | U.S. Bank National Association | 80 | 75 | 71 | 126 | Bank |
| 8 | Bank of America, National Association | 80 | 73 | 75 | 56 | Bank |
| 9 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 47 | Bank |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 116 | Independent Mortgage Company |
| 11 | Morgan Stanley Private Bank, National Association | 78 | 94 | 66 | 30 | Bank |
| 12 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 364 | Independent Mortgage Company |
| 13 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 118 | Independent Mortgage Company |
| 14 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 94 | Bank |
| 15 | PHILADELPHIA FEDERAL CREDIT UNION | 73 | 74 | 47 | 74 | Credit Union |
| 16 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 69 | Independent Mortgage Company |
| 17 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 57 | Independent Mortgage Company |
| 18 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 47 | Bank |
| 19 | ALLIED MORTGAGE GROUP, INC. | 73 | 44 | 61 | 44 | Independent Mortgage Company |
| 20 | 1st Colonial Community Bank | 73 | 48 | 68 | 30 | Independent Mortgage Company |
| 21 | PNC Bank, National Association | 73 | 71 | 61 | 26 | Bank |
| 22 | Wilmington Savings Fund Society, FSB | 73 | 74 | 77 | 22 | Bank |
| 23 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 32 | Credit Union |
| 24 | MERIDIAN BANK | 71 | 49 | 81 | 26 | Bank |
| 25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 71 | 46 | 83 | 20 | Independent Mortgage Company |
| 26 | GREENTREE MORTGAGE COMPANY, L.P. | 68 | 31 | 79 | 289 | Independent Mortgage Company |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 208 | Independent Mortgage Company |
| 28 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 68 | 27 | 72 | 142 | Independent Mortgage Company |
| 29 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 84 | Independent Mortgage Company |
| 30 | NFM, INC. | 68 | 23 | 87 | 67 | Independent Mortgage Company |
| 31 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 50 | Independent Mortgage Company |
| 32 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 50 | Independent Mortgage Company |
| 33 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 42 | Independent Mortgage Company |
| 34 | TD Bank, National Association | 66 | 47 | 57 | 62 | Bank |
| 35 | Prosperity Home Mortgage, LLC | 63 | 37 | 77 | 153 | Independent Mortgage Company |
| 36 | Gateway First Bank | 63 | 29 | 79 | 50 | Bank |
| 37 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 66 | Independent Mortgage Company |
| 38 | NEWREZ LLC | 58 | 35 | 59 | 65 | Independent Mortgage Company |
| 39 | Mortgage Research Center, LLC | 58 | 34 | 70 | 37 | Independent Mortgage Company |
| 40 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 37 | Independent Mortgage Company |
| 41 | THE LOAN STORE, INC. | 58 | 40 | 77 | 24 | Independent Mortgage Company |
| 42 | Paramount Residential Mortgage Group, Inc. | 58 | 27 | 72 | 22 | Independent Mortgage Company |
| 43 | TRUMARK FINANCIAL CREDIT UNION | 52 | 34 | 53 | 26 | Credit Union |
| 44 | FIRST ALLIANCE HOME MORTGAGE, LLC | 52 | 24 | 49 | 26 | Independent Mortgage Company |
| 45 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 46 | 17 | 79 | 39 | Independent Mortgage Company |
| 46 | Acre Mortgage & Financial, Inc. | 46 | 16 | 69 | 23 | Independent Mortgage Company |

## 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 Atlantic City.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.