Safe Rate Rankings

Best All Lender Mortgage Lenders in Atlantic City

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders73

Total Loans4,367

Median Rate Spread0.39%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	OceanFirst Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Exceptional	$164Fees	0.016%Above	201
2	NATION ONE MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	$1,287Fees	0.878%Above	139
3	POLICE & FIRECredit Union	Exceptional	Exceptional	Strong	Strong	$564Fees	0.016%Below	48
4	Valley National BankBank	Exceptional	Exceptional	Strong	Strong	$1,611Fees	0.053%Above	36
5	Citizens Bank, National AssociationBank	Exceptional	Strong	Strong	Exceptional	$1,346Fees	0.052%Above	203
6	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	$334Fees	0.549%Below	30
7	Advisors Mortgage Group, L.L.C.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,400Fees	0.333%Above	374
8	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$511Fees	0.062%Below	126
9	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,585Fees	0.306%Below	56
10	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Strong	$1,906Fees	0.029%Above	47
11	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$1,781Fees	0.267%Below	32
12	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,231Fees	0.258%Above	116
13	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,144Fees	0.040%Below	94
14	PHILADELPHIA FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Sound	Strong	$567Fees	0.230%Above	74
15	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,135Fees	0.110%Above	26
16	Wilmington Savings Fund Society, FSBBank	Strong	Strong	Strong	Sound	$3,359Fees	0.014%Below	22
17	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,742Fees	0.393%Above	364
18	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,165Fees	0.204%Above	118
19	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,554Fees	0.350%Above	69
20	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,054Fees	0.458%Above	57
21	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,311Fees	0.266%Above	47
22	ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,190Fees	0.398%Above	44
23	1st Colonial Community BankIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,172Fees	0.302%Above	30
24	MERIDIAN BANKBank	Strong	Sound	Exceptional	Sound	$3,197Fees	0.472%Above	26
25	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$3,593Fees	0.616%Above	20
26	GREENTREE MORTGAGE COMPANY, L.P.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,350Fees	0.511%Above	289
27	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,061Fees	0.531%Above	208
28	AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$1,959Fees	0.517%Above	142
29	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,899Fees	0.578%Above	84
30	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,840Fees	0.472%Above	67
31	TD Bank, National AssociationBank	Strong	Sound	Sound	Strong	$973Fees	0.245%Above	62
32	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,971Fees	0.290%Above	50
33	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,946Fees	0.646%Above	50
34	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$4,461Fees	0.339%Above	42
35	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,197Fees	0.299%Above	153
36	Gateway First BankBank	Strong	Acceptable	Strong	Strong	$2,847Fees	0.577%Above	50
37	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,269Fees	0.414%Above	66
38	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,010Fees	0.364%Above	65
39	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,240Fees	1.231%Above	37
40	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,570Fees	0.563%Above	37
41	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,133Fees	0.201%Above	24
42	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,468Fees	0.486%Above	22
43	TRUMARK FINANCIAL CREDIT UNIONCredit Union	Sound	Acceptable	Sound	Sound	$2,827Fees	0.010%Below	26
44	FIRST ALLIANCE HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,633Fees	0.617%Above	26
45	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$5,219Fees	0.658%Above	39
46	Acre Mortgage & Financial, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$2,582Fees	0.600%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.