Safe Rate Rankings

Best Mortgage Lenders in Camden

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 Lenders142

Total Loans14,865

Median Rate Spread0.38%

Camden Market Insights

Oceanfirst Bank National Association is Safe Rate's top-ranked lender in Camden, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Camden: Bank: Oceanfirst Bank National Association (#1). Credit union: Police Fire (#4). Mortgage company: Nation One Mortgage (#2).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Camden, Columbia Bank and Oceanfirst Bank National Association scores highest on pricing while Rocket Mortgage and Nation One Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #6 in Camden, 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 Camden: Rocket Mortgage (#8) and Greentree Mortgage Company LP (#10).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	OceanFirst Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	$220Credit	0.149%Below	185
2	NATION ONE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Exceptional	Strong	Exceptional	Exceptional	$1,233Fees	0.560%Above	377
3	Columbia Bank BankDirect	Strong	Exceptional	Sound	Strong	$18Fees	0.774%Below	103
4	POLICE & FIRE Credit UnionDirect	Strong	Exceptional	Strong	Strong	$329Fees	0.064%Above	123
5	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$543Fees	0.379%Below	163
6	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$2,866Fees	0.190%Above	674
7	Wilmington Savings Fund Society, FSB BankDirect	Strong	Strong	Strong	Strong	$1,380Fees	0.020%Above	78
8	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,590Fees	0.362%Above	1,259
9	Bank of America, National Association BankDirect	Strong	Strong	Strong	Strong	$2,558Fees	0.034%Above	136
10	GREENTREE MORTGAGE COMPANY, L.P. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$2,670Fees	0.459%Above	833
11	NJ LENDERS CORP. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	$2,354Fees	0.362%Above	96
12	NFM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,758Fees	0.366%Above	865
13	Advisors Mortgage Group, L.L.C. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	$2,649Fees	0.410%Above	149
14	1st Colonial Community Bank Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	$1,889Fees	0.263%Above	202
15	Manufacturers and Traders Trust Company BankDirect	Strong	Strong	Strong	Strong	$1,610Fees	0.043%Above	62
16	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$1,539Fees	0.369%Above	446
17	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,576Fees	0.319%Above	236
18	MLD MORTGAGE INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	$2,939Fees	0.133%Above	104
19	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$1,340Fees	0.003%Below	101
20	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Sound	$846Fees	0.017%Above	60
21	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Sound	$123Fees	0.014%Above	39
22	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,421Fees	0.407%Above	369
23	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,687Fees	0.330%Above	202
24	AMERICAN FEDERAL MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Exceptional	Sound	Sound	$41Fees	0.186%Below	32
25	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Strong	$2,103Fees	0.130%Above	165
26	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$438Fees	0.167%Above	66
27	Truist Bank BankDirect	Strong	Strong	Strong	Sound	$918Fees	0.006%Below	37
28	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$2,988Fees	0.186%Above	347
29	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,992Fees	0.416%Above	234
30	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$863Fees	0.143%Above	179
31	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,554Fees	0.244%Above	151
32	First Citizens Community Bank BankDirect	Strong	Sound	Strong	Strong	$2,357Fees	0.311%Above	52
33	MERIDIAN BANK BankDirect	Strong	Sound	Exceptional	Strong	$2,488Fees	0.475%Above	51
34	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$4,315Fees	0.525%Above	934
35	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Strong	$2,651Fees	0.411%Above	246
36	ALLIED MORTGAGE GROUP, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$3,746Fees	0.436%Above	205
37	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Sound	$2,961Fees	0.387%Above	44
38	Gateway First Bank BankDirect	Strong	Acceptable	Strong	Strong	$2,727Fees	0.455%Above	213
39	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,378Fees	0.455%Above	209
40	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Strong	Exceptional	$4,469Fees	0.606%Above	354
41	AMERICAN HERITAGE FCU Credit UnionDirect	Strong	—	Strong	Sound	—	—	36
42	ABSOLUTE HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Exceptional	$2,938Fees	0.593%Above	415
43	TD Bank, National Association BankDirect	Sound	Sound	Sound	Strong	$425Fees	0.315%Above	158
44	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Sound	Strong	$1,480Fees	0.177%Above	74
45	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$1,817Fees	0.202%Above	65
46	MortgageCountry, LLC Independent Mortgage CompanyDirect	Sound	—	Strong	Sound	—	—	32
47	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$2,927Fees	0.935%Above	189
48	Acre Mortgage & Financial, Inc. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Exceptional	$3,749Fees	0.565%Above	235
49	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$4,178Fees	0.443%Above	62
50	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$2,594Fees	0.397%Above	49

❓ Frequently Asked Questions

How are mortgage lenders ranked in Camden, NJ?+

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 Camden, NJ), 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 Camden, NJ?+

Based on 2024 HMDA data, 142 lenders originated a combined 14,865 loans in Camden, NJ. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Camden, NJ?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Camden, NJ is 0.38%. 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 Camden, NJ'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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.