Safe Rate Rankings

Best Conventional Mortgage Lenders in Atlantic City

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Atlantic City Market Insights

Oceanfirst Bank National Association is Safe Rate's top-ranked Conventional lender in Atlantic City, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Atlantic City, Oceanfirst Bank National Association and Navy Federal Credit Union scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #7 in Atlantic City, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Atlantic City: Rocket Mortgage (#5) and Advisors Mortgage Group (#4).

Explore Rankings by Type

Overall Rankings

All lenders in Atlantic City

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	OceanFirst Bank, National Association BankDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$164Fees	0.016%Above	201
2	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$511Fees	0.062%Below	126
3	NATION ONE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Strong	Strong	Exceptional	Exceptional	$1,287Fees	0.878%Above	139
4	Advisors Mortgage Group, L.L.C. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,400Fees	0.333%Above	374
5	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,742Fees	0.393%Above	364
6	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Exceptional	$1,346Fees	0.052%Above	203
7	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,231Fees	0.258%Above	116
8	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$1,781Fees	0.267%Below	32
9	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,585Fees	0.306%Below	56
10	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,906Fees	0.029%Above	47
11	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	Sound	$334Fees	0.549%Below	30
12	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,144Fees	0.040%Below	94
13	POLICE & FIRE Credit UnionDirect	Strong	Exceptional	Strong	Sound	Strong	$564Fees	0.016%Below	48
14	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,311Fees	0.266%Above	47
15	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,135Fees	0.110%Above	26
16	Valley National Bank BankDirect	Strong	Exceptional	Strong	Sound	Strong	$1,611Fees	0.053%Above	36
17	Wilmington Savings Fund Society, FSB BankDirect	Strong	Strong	Strong	Strong	Sound	$3,359Fees	0.014%Below	22
18	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Sound	$2,586Fees	0.099%Above	17
19	GREENTREE MORTGAGE COMPANY, L.P. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$2,350Fees	0.511%Above	289
20	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,061Fees	0.531%Above	208
21	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,165Fees	0.204%Above	118
22	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,899Fees	0.578%Above	84
23	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$4,054Fees	0.458%Above	57
24	Citibank, National Association BankDirect	Strong	Exceptional	Exceptional	Sound	Sound	$1,252Fees	0.292%Below	18
25	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,197Fees	0.299%Above	153
26	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,971Fees	0.290%Above	50
27	PHILADELPHIA FEDERAL CREDIT UNION Credit UnionDirect	Strong	Strong	Sound	Sound	Strong	$567Fees	0.230%Above	74
28	NJ LENDERS CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Sound	$1,293Fees	0.208%Above	13
29	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,554Fees	0.350%Above	69
30	AFFORDABLE MORTGAGE ADVISORS, LLC. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$1,959Fees	0.517%Above	142
31	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,840Fees	0.472%Above	67
32	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,946Fees	0.646%Above	50
33	Gateway First Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,847Fees	0.577%Above	50
34	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,593Fees	0.616%Above	20
35	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$3,010Fees	0.364%Above	65
36	TD Bank, National Association BankDirect	Strong	Sound	Strong	Sound	Strong	$973Fees	0.245%Above	62
37	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,133Fees	0.201%Above	24
38	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,269Fees	0.414%Above	66
39	MERIDIAN BANK BankDirect	Strong	Sound	Strong	Strong	Sound	$3,197Fees	0.472%Above	26
40	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$5,146Fees	0.588%Above	14
41	AMERICAN FEDERAL MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Acceptable	Sound	$379Credit	0.074%Below	10
42	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,880Fees	0.680%Above	18
43	Fulton Bank, National Association BankDirect	Sound	Acceptable	Exceptional	Strong	Sound	$1,679Fees	0.518%Above	19
44	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	$4,461Fees	0.339%Above	42
45	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$5,219Fees	0.658%Above	39
46	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$4,570Fees	0.563%Above	37
47	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$1,707Fees	0.455%Above	14
48	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,947Fees	0.728%Above	13
49	Univest Bank and Trust Co. BankDirect	Sound	Sound	Strong	Strong	Sound	$1,751Fees	0.470%Above	12
50	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Sound*	Exceptional	Strong	Acceptable	$4,691Fees	0.731%Above	10

❓ Frequently Asked Questions

How are mortgage lenders ranked in Atlantic City?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Atlantic City), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Atlantic City?+

Based on 2024 HMDA data, 73 lenders originated a combined 4,367 loans in Atlantic City. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Atlantic City?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Atlantic City is 0.39%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Atlantic City's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.