# Best Bank Mortgage Lenders in Lakewood

**As of:** 2026-05-24

Compare the top banks offering mortgages in Lakewood. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/lakewood/best-mortgage-lenders/banks


> **📋 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 | Manasquan Bank | 86 | 73 | 63 | 169 | Bank |
| 3 | Kearny Bank | 86 | 93 | 64 | 138 | Bank |
| 4 | Morgan Stanley Private Bank, National Association | 86 | 94 | 66 | 120 | Bank |
| 5 | Valley National Bank | 86 | 87 | 65 | 76 | Bank |
| 6 | Provident Bank | 84 | 90 | 58 | 191 | Bank |
| 7 | Bank of America, National Association | 80 | 73 | 75 | 345 | Bank |
| 8 | U.S. Bank National Association | 80 | 75 | 71 | 293 | Bank |
| 9 | Citizens Bank, National Association | 80 | 69 | 62 | 214 | Bank |
| 10 | PNC Bank, National Association | 80 | 71 | 61 | 148 | Bank |
| 11 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 127 | Bank |
| 12 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 527 | Bank |
| 13 | Wells Fargo Bank, National Association | 78 | 63 | 59 | 482 | Bank |
| 14 | Citibank, National Association | 78 | 87 | 58 | 136 | Bank |
| 15 | Columbia Bank | 78 | 96 | 59 | 60 | Bank |
| 16 | Fulton Bank, National Association | 73 | 40 | 64 | 131 | Bank |
| 17 | TD Bank, National Association | 71 | 47 | 57 | 303 | Bank |
| 18 | Gateway First Bank | 63 | 29 | 79 | 123 | Bank |
| 19 | Flagstar Bank, N.A. | 63 | 40 | 76 | 112 | Bank |
| 20 | Plains Commerce Bank | 58 | 37 | 67 | 68 | Bank |
| 21 | UNITY BANK | 58 | 36 | 55 | 51 | Bank |
| 22 | The Federal Savings Bank | 46 | 16 | 49 | 146 | Bank |

## 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.