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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $164 | +0.016% | 201 | |
2 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,287 | +0.878% | 139 | |
3 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,346 | +0.052% | 203 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $511 | -0.062% | 126 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,585 | -0.306% | 56 | |
6 | POLICE & FIRE | Exceptional | Exceptional | Strong | Sound | Strong | $564 | -0.016% | 48 | |
7 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,611 | +0.053% | 36 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,781 | -0.267% | 32 | |
9 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,252 | -0.292% | 18 | |
10 | Advisors Mortgage Group, L.L.C. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,400 | +0.333% | 374 | |
11 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,144 | -0.040% | 94 | |
12 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $334 | -0.549% | 30 | |
13 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,135 | +0.110% | 26 | |
14 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $2,586 | +0.099% | 17 | |
15 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Sound | $1,293 | +0.208% | 13 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,742 | +0.393% | 364 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,054 | +0.458% | 57 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,311 | +0.266% | 47 | |
19 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,906 | +0.029% | 47 | |
20 | Wilmington Savings Fund Society, FSB | Strong | Strong | Strong | Strong | Sound | $3,359 | -0.014% | 22 | |
21 | AMERICAN FEDERAL MORTGAGE CORPORATION | Strong | Exceptional | Strong | Acceptable | Sound | -$379 | -0.074% | 10 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,061 | +0.531% | 208 | |
23 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,231 | +0.258% | 116 | |
24 | PHILADELPHIA FEDERAL CREDIT UNION | Strong | Strong | Sound | Sound | Strong | $567 | +0.230% | 74 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,554 | +0.350% | 69 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $3,593 | +0.616% | 20 | |
27 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Exceptional | $2,350 | +0.511% | 289 | |
28 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,197 | +0.299% | 153 | |
29 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | Exceptional | $1,959 | +0.517% | 142 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,165 | +0.204% | 118 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,899 | +0.578% | 84 | |
32 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $973 | +0.245% | 62 | |
33 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,847 | +0.577% | 50 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,971 | +0.290% | 50 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,946 | +0.646% | 50 | |
36 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $2,190 | +0.398% | 44 | |
37 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Sound | $3,197 | +0.472% | 26 | |
38 | Quaint Oak Mortgage, LLC | Strong | Sound | Strong | Strong | Sound | $3,227 | +0.308% | 18 | |
39 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Sound | $1,751 | +0.470% | 12 | |
40 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Acceptable | $4,691 | +0.731% | 10 | |
41 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,269 | +0.414% | 66 | |
42 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,010 | +0.364% | 65 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,570 | +0.563% | 37 | |
44 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,133 | +0.201% | 24 | |
45 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,468 | +0.486% | 22 | |
46 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Sound | $1,679 | +0.518% | 19 | |
47 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,880 | +0.680% | 18 | |
48 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $5,146 | +0.588% | 14 | |
49 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,707 | +0.455% | 14 | |
50 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,947 | +0.728% | 13 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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.
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