# Best Conventional Mortgage Lenders in Atlantic City

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

Compare the top Conventional mortgage lenders in Atlantic City. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 95 | 95 | 81 | 201 | Bank |
| 2 | NATION ONE MORTGAGE CORPORATION | 89 | 61 | 84 | 139 | Independent Mortgage Company |
| 3 | U.S. Bank National Association | 85 | 75 | 69 | 126 | Bank |
| 4 | Bank of America, National Association | 85 | 71 | 67 | 56 | Bank |
| 5 | Advisors Mortgage Group, L.L.C. | 83 | 44 | 78 | 374 | Independent Mortgage Company |
| 6 | Citizens Bank, National Association | 83 | 70 | 59 | 203 | Bank |
| 7 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 364 | Independent Mortgage Company |
| 8 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 94 | Bank |
| 9 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 57 | Independent Mortgage Company |
| 10 | POLICE & FIRE | 79 | 91 | 54 | 48 | Credit Union |
| 11 | Manufacturers and Traders Trust Company | 79 | 59 | 76 | 47 | Bank |
| 12 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 47 | Bank |
| 13 | Valley National Bank | 79 | 89 | 59 | 36 | Bank |
| 14 | PNC Bank, National Association | 79 | 75 | 63 | 26 | Bank |
| 15 | Truist Bank | 79 | 71 | 69 | 17 | Bank |
| 16 | NJ LENDERS CORP. | 79 | 69 | 72 | 13 | Independent Mortgage Company |
| 17 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 32 | Credit Union |
| 18 | Citibank, National Association | 77 | 86 | 54 | 18 | Bank |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 208 | Independent Mortgage Company |
| 20 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 116 | Independent Mortgage Company |
| 21 | Wilmington Savings Fund Society, FSB | 74 | 78 | 72 | 22 | Bank |
| 22 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 69 | Independent Mortgage Company |
| 23 | Morgan Stanley Private Bank, National Association | 73 | 96 | 57 | 30 | Bank |
| 24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 20 | Independent Mortgage Company |
| 25 | GREENTREE MORTGAGE COMPANY, L.P. | 71 | 29 | 71 | 289 | Independent Mortgage Company |
| 26 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 153 | Independent Mortgage Company |
| 27 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 71 | 30 | 64 | 142 | Independent Mortgage Company |
| 28 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 118 | Independent Mortgage Company |
| 29 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 84 | Independent Mortgage Company |
| 30 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 50 | Independent Mortgage Company |
| 31 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 50 | Independent Mortgage Company |
| 32 | Gateway First Bank | 71 | 27 | 75 | 50 | Bank |
| 33 | PHILADELPHIA FEDERAL CREDIT UNION | 69 | 75 | 58 | 74 | Credit Union |
| 34 | TD Bank, National Association | 69 | 54 | 50 | 62 | Bank |
| 35 | ALLIED MORTGAGE GROUP, INC. | 69 | 43 | 49 | 44 | Independent Mortgage Company |
| 36 | MERIDIAN BANK | 69 | 50 | 67 | 26 | Bank |
| 37 | Quaint Oak Mortgage, LLC | 69 | 41 | 70 | 18 | Independent Mortgage Company |
| 38 | Univest Bank and Trust Co. | 69 | 53 | 63 | 12 | Bank |
| 39 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 66 | Independent Mortgage Company |
| 40 | NEWREZ LLC | 66 | 31 | 58 | 65 | Independent Mortgage Company |
| 41 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 37 | Independent Mortgage Company |
| 42 | THE LOAN STORE, INC. | 66 | 39 | 71 | 24 | Independent Mortgage Company |
| 43 | Paramount Residential Mortgage Group, Inc. | 66 | 24 | 60 | 22 | Independent Mortgage Company |
| 44 | Fulton Bank, National Association | 66 | 39 | 63 | 19 | Bank |
| 45 | EMM LOANS LLC | 66 | 28 | 78 | 18 | Independent Mortgage Company |
| 46 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 14 | Independent Mortgage Company |
| 47 | LOWER, LLC | 66 | 33 | 66 | 14 | Independent Mortgage Company |
| 48 | KIND LENDING, LLC | 66 | 31 | 66 | 13 | Independent Mortgage Company |
| 49 | AMERICAN FEDERAL MORTGAGE CORPORATION | 66 | 96 | 39 | 10 | Independent Mortgage Company |
| 50 | PLAZA HOME MORTGAGE, INC. | 66 | 43 | 63 | 10 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.