# Best Mortgage Lenders in Lakewood

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

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

> **Canonical URL:** https://saferate.com/lakewood/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:** 204
- **Total Loans:** 24,796
- **Median Rate Spread:** 0.3093826530612245%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | OceanFirst Bank, National Association | 100 | 94 | 83 | 465 | Bank |
| 2 | NJ LENDERS CORP. | 86 | 67 | 76 | 502 | Independent Mortgage Company |
| 3 | Manasquan Bank | 86 | 73 | 63 | 169 | Bank |
| 4 | Kearny Bank | 86 | 93 | 64 | 138 | Bank |
| 5 | Morgan Stanley Private Bank, National Association | 86 | 94 | 66 | 120 | Bank |
| 6 | Valley National Bank | 86 | 87 | 65 | 76 | Bank |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 1,644 | Independent Mortgage Company |
| 8 | Advisors Mortgage Group, L.L.C. | 84 | 45 | 83 | 985 | Independent Mortgage Company |
| 9 | AMERICAN FEDERAL MORTGAGE CORPORATION | 84 | 96 | 43 | 204 | Independent Mortgage Company |
| 10 | Provident Bank | 84 | 90 | 58 | 191 | Bank |
| 11 | Bank of America, National Association | 80 | 73 | 75 | 345 | Bank |
| 12 | U.S. Bank National Association | 80 | 75 | 71 | 293 | Bank |
| 13 | Citizens Bank, National Association | 80 | 69 | 62 | 214 | Bank |
| 14 | PNC Bank, National Association | 80 | 71 | 61 | 148 | Bank |
| 15 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 127 | Bank |
| 16 | GUARANTEED RATE, INC. | 78 | 41 | 69 | 731 | Independent Mortgage Company |
| 17 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 592 | Independent Mortgage Company |
| 18 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 527 | Bank |
| 19 | PENNYMAC LOAN SERVICES, LLC | 78 | 56 | 63 | 517 | Independent Mortgage Company |
| 20 | Wells Fargo Bank, National Association | 78 | 63 | 59 | 482 | Bank |
| 21 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 201 | Independent Mortgage Company |
| 22 | KWIK MORTGAGE CORPORATION | 78 | 94 | 49 | 150 | Independent Mortgage Company |
| 23 | Citibank, National Association | 78 | 87 | 58 | 136 | Bank |
| 24 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 124 | Credit Union |
| 25 | MLD MORTGAGE INC. | 78 | 48 | 82 | 101 | Independent Mortgage Company |
| 26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 77 | Independent Mortgage Company |
| 27 | PINNACLE MORTGAGE, INC. | 78 | 83 | 52 | 63 | Independent Mortgage Company |
| 28 | Columbia Bank | 78 | 96 | 59 | 60 | Bank |
| 29 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 2,121 | Independent Mortgage Company |
| 30 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 448 | Independent Mortgage Company |
| 31 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 419 | Independent Mortgage Company |
| 32 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 274 | Independent Mortgage Company |
| 33 | Fulton Bank, National Association | 73 | 40 | 64 | 131 | Bank |
| 34 | NORWICH COMMERCIAL GROUP, INC. | 73 | 42 | 64 | 109 | Independent Mortgage Company |
| 35 | ALLIED MORTGAGE GROUP, INC. | 73 | 44 | 61 | 62 | Independent Mortgage Company |
| 36 | TD Bank, National Association | 71 | 47 | 57 | 303 | Bank |
| 37 | FIRST COLONY MORTGAGE CORPORATION | 71 | 42 | 84 | 60 | Independent Mortgage Company |
| 38 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 1,433 | Independent Mortgage Company |
| 39 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 157 | Independent Mortgage Company |
| 40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 139 | Independent Mortgage Company |
| 41 | Nations Lending Corporation | 68 | 30 | 93 | 81 | Independent Mortgage Company |
| 42 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 68 | 26 | 87 | 75 | Independent Mortgage Company |
| 43 | BAY EQUITY LLC | 66 | 43 | 65 | 64 | Independent Mortgage Company |
| 44 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 57 | 57 | 127 | Independent Mortgage Company |
| 45 | AMERIHOME MORTGAGE COMPANY, LLC | 66 | 42 | 55 | 64 | Independent Mortgage Company |
| 46 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 296 | Independent Mortgage Company |
| 47 | GUARANTEED RATE AFFINITY, LLC | 63 | 33 | 60 | 242 | Independent Mortgage Company |
| 48 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 209 | Independent Mortgage Company |
| 49 | Prosperity Home Mortgage, LLC | 63 | 37 | 77 | 199 | Independent Mortgage Company |
| 50 | EMBRACE HOME LOANS, INC. | 63 | 31 | 74 | 181 | 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 Lakewood.

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.