Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Lakewood

Updated May 31, 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 Lenders204

Total Loans24,796

Median Rate Spread0.31%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	OceanFirst Bank, National AssociationBank	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$293Credit	0.302%Below	465
2	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$523Fees	0.220%Below	136
3	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$1,513Fees	0.123%Below	482
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,155Fees	0.267%Below	345
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$142Fees	0.102%Below	293
6	Provident BankBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$67Fees	0.089%Below	191
7	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$72Credit	0.004%Below	148
8	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$413Fees	0.528%Below	120
9	Valley National BankBank	Exceptional	Exceptional	Strong	Sound	Strong	$1,075Fees	0.050%Below	76
10	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,212Fees	0.068%Above	527
11	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$962Fees	0.065%Below	214
12	Kearny BankBank	Exceptional	Exceptional	Sound	Sound	Strong	$1,010Fees	0.254%Below	138
13	Columbia BankBank	Exceptional	Exceptional	Sound	Sound	Strong	$264Fees	0.312%Below	60
14	Manasquan BankBank	Strong	Strong	Sound	Sound	Exceptional	$199Fees	0.107%Above	169
15	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$888Fees	0.057%Below	127
16	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Exceptional	$893Fees	0.114%Above	303
17	Fulton Bank, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,312Fees	0.338%Above	131
18	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,924Fees	0.474%Above	123
19	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,736Fees	0.341%Above	112
20	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,480Fees	0.011%Below	68
21	UNITY BANKBank	Sound	Acceptable	Sound	Sound	Strong	$1,806Fees	0.668%Above	51
22	The Federal Savings BankBank	Sound	Mediocre	Strong	Sound	Strong	$4,151Fees	0.334%Above	146

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.