# Best Conventional Mortgage Lenders in Lakewood

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

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

> **Canonical URL:** https://saferate.com/lakewood/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:** 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 | 95 | 95 | 81 | 465 | Bank |
| 2 | NJ LENDERS CORP. | 89 | 69 | 72 | 502 | Independent Mortgage Company |
| 3 | Bank of America, National Association | 85 | 71 | 67 | 345 | Bank |
| 4 | U.S. Bank National Association | 85 | 75 | 69 | 293 | Bank |
| 5 | PNC Bank, National Association | 85 | 75 | 63 | 148 | Bank |
| 6 | Advisors Mortgage Group, L.L.C. | 83 | 44 | 78 | 985 | Independent Mortgage Company |
| 7 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 592 | Independent Mortgage Company |
| 8 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 527 | Bank |
| 9 | Wells Fargo Bank, National Association | 83 | 61 | 57 | 482 | Bank |
| 10 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 201 | Independent Mortgage Company |
| 11 | Citibank, National Association | 83 | 86 | 54 | 136 | Bank |
| 12 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 124 | Credit Union |
| 13 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 2,121 | Independent Mortgage Company |
| 14 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 1,644 | Independent Mortgage Company |
| 15 | Citizens Bank, National Association | 79 | 70 | 59 | 214 | Bank |
| 16 | Manufacturers and Traders Trust Company | 79 | 59 | 76 | 127 | Bank |
| 17 | Morgan Stanley Private Bank, National Association | 79 | 96 | 57 | 120 | Bank |
| 18 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 63 | 109 | Independent Mortgage Company |
| 19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 77 | Independent Mortgage Company |
| 20 | Valley National Bank | 79 | 89 | 59 | 76 | Bank |
| 21 | PENNYMAC LOAN SERVICES, LLC | 77 | 42 | 59 | 517 | Independent Mortgage Company |
| 22 | Provident Bank | 77 | 91 | 49 | 191 | Bank |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 1,433 | Independent Mortgage Company |
| 24 | GUARANTEED RATE, INC. | 75 | 39 | 65 | 731 | Independent Mortgage Company |
| 25 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 448 | Independent Mortgage Company |
| 26 | CMG MORTGAGE, INC. | 75 | 34 | 73 | 419 | Independent Mortgage Company |
| 27 | AMERICAN FEDERAL MORTGAGE CORPORATION | 75 | 96 | 39 | 204 | Independent Mortgage Company |
| 28 | Nations Lending Corporation | 75 | 33 | 86 | 81 | Independent Mortgage Company |
| 29 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 127 | Independent Mortgage Company |
| 30 | MLD MORTGAGE INC. | 74 | 49 | 74 | 101 | Independent Mortgage Company |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 74 | 44 | 64 | 64 | Independent Mortgage Company |
| 32 | TD Bank, National Association | 73 | 54 | 50 | 303 | Bank |
| 33 | Manasquan Bank | 73 | 75 | 57 | 169 | Bank |
| 34 | KWIK MORTGAGE CORPORATION | 73 | 95 | 42 | 150 | Independent Mortgage Company |
| 35 | Kearny Bank | 73 | 94 | 53 | 138 | Bank |
| 36 | BAY EQUITY LLC | 73 | 46 | 65 | 64 | Independent Mortgage Company |
| 37 | PINNACLE MORTGAGE, INC. | 73 | 83 | 58 | 63 | Independent Mortgage Company |
| 38 | Columbia Bank | 73 | 96 | 50 | 60 | Bank |
| 39 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 296 | Independent Mortgage Company |
| 40 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 209 | Independent Mortgage Company |
| 41 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 199 | Independent Mortgage Company |
| 42 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 157 | Independent Mortgage Company |
| 43 | THE LOAN STORE, INC. | 71 | 39 | 71 | 140 | Independent Mortgage Company |
| 44 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 139 | Independent Mortgage Company |
| 45 | Fulton Bank, National Association | 71 | 39 | 63 | 131 | Bank |
| 46 | Gateway First Bank | 71 | 27 | 75 | 123 | Bank |
| 47 | Flagstar Bank, N.A. | 71 | 34 | 72 | 112 | Bank |
| 48 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 29 | 63 | 88 | Independent Mortgage Company |
| 49 | KIND LENDING, LLC | 71 | 31 | 66 | 83 | Independent Mortgage Company |
| 50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 20 | 78 | 75 | 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. **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.