Safe Rate Rankings

Best Conventional Mortgage Lenders in Trenton

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 Lenders74

Total Loans2,891

Median Rate Spread0.26%

Trenton Market Insights

Rocket Mortgage is Safe Rate's top-ranked Conventional lender in Trenton, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Trenton, Oceanfirst Bank National Association and Pnc Bank National Association 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 #2 in Trenton, 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.
Rocket Mortgage ranks #1 in Trenton, the nation's largest lender by volume.

Explore Rankings by Type

Overall Rankings

All lenders in Trenton

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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	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,439Fees	0.225%Above	312
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,729Fees	0.228%Above	199
3	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$65Fees	0.008%Below	74
4	OceanFirst Bank, National Association BankDirect	Strong	Exceptional	Strong	Exceptional	Sound	$869Credit	0.342%Below	23
5	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,057Fees	0.242%Below	89
6	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,408Fees	0.147%Above	105
7	MLD MORTGAGE INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$3,121Fees	0.106%Above	120
8	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,801Fees	0.019%Below	90
9	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,078Fees	0.079%Above	37
10	NJ LENDERS CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Strong	$2,238Fees	0.049%Above	32
11	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$393Fees	0.330%Below	17
12	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,382Fees	0.468%Above	144
13	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,189Fees	0.264%Above	62
14	Advisors Mortgage Group, L.L.C. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$1,771Fees	0.238%Above	57
15	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,029Fees	0.051%Above	39
16	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$490Fees	0.017%Below	26
17	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Sound	$120Fees	0.115%Below	22
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,386Fees	0.251%Above	68
19	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,084Fees	0.376%Above	66
20	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,412Fees	0.373%Above	40
21	AMERICAN FEDERAL MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Exceptional	Strong	Acceptable	Strong	$72Fees	0.296%Below	37
22	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	Acceptable	$285Fees	0.468%Below	10
23	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,313Fees	0.292%Above	71
24	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,527Fees	0.130%Above	34
25	KWIK MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Exceptional	Sound	Sound	Strong	$1,675Credit	0.137%Below	27
26	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,699Fees	0.319%Above	53
27	TD Bank, National Association BankDirect	Strong	Sound	Strong	Sound	Strong	$710Fees	0.068%Above	51
28	GREENTREE MORTGAGE COMPANY, L.P. Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Strong	$2,628Fees	0.443%Above	47
29	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,380Fees	0.373%Above	27
30	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,871Fees	0.284%Above	20
31	Provident Bank BankDirect	Strong	Exceptional	Sound	Sound	Sound	$404Fees	0.028%Below	13
32	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$1,457Fees	0.265%Above	11
33	Kearny Bank BankDirect	Strong	Exceptional	Sound	Sound	Sound	$788Fees	0.278%Below	10
34	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Sound	$3,676Fees	0.298%Above	31
35	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Sound	$3,364Fees	0.607%Above	29
36	Gateway First Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,216Fees	0.680%Above	18
37	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$1,016Fees	0.162%Below	15
38	BAY EQUITY LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	$1,282Fees	0.150%Above	12
39	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	Sound	$3,641Fees	0.470%Above	12
40	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$2,579Fees	0.299%Above	13
41	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Acceptable	$2,996Fees	0.569%Above	10
42	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$2,961Fees	0.501%Above	31
43	NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	Sound	$2,121Fees	0.269%Above	18
44	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Strong	$3,060Fees	0.251%Above	33
45	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,587Fees	0.676%Above	32
46	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$4,254Fees	0.448%Above	31
47	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$2,607Fees	0.362%Above	17
48	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Acceptable	$3,503Fees	0.486%Above	10
49	ABSOLUTE HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	Strong	$3,573Fees	0.679%Above	52
50	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	$1,220Fees	0.582%Above	29

❓ Frequently Asked Questions

How are mortgage lenders ranked in Trenton?+

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 Trenton), 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 Trenton?+

Based on 2024 HMDA data, 74 lenders originated a combined 2,891 loans in Trenton. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

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

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Trenton is 0.26%. 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 Trenton'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.