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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Bank Lenders in New Jersey
Updated February 6, 2026
Market Overview
24
Total Lenders
85,018
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | Exceptional | -$303 | -0.225% | 1,006 | |
2 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,259 | -0.245% | 1,086 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $211 | -0.090% | 959 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $330 | -0.299% | 534 | |
5 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,157 | -0.255% | 354 | |
6 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,494 | -0.101% | 1,556 | |
7 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $694 | -0.045% | 862 | |
8 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $642 | +0.037% | 467 | |
9 | Provident Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | -$332 | -0.197% | 457 | |
10 | Kearny Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,001 | -0.252% | 402 | |
11 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $358 | -0.519% | 372 | |
12 | Columbia Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $259 | -0.618% | 349 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $416 | -0.243% | 180 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,377 | +0.057% | 2,089 | |
15 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,156 | -0.048% | 505 | |
16 | TD Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $732 | +0.153% | 1,057 | |
17 | Manasquan Bank | Strong | Strong | Sound | Sound | Strong | $189 | +0.099% | 180 | |
18 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,858 | +0.485% | 541 | |
19 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,984 | +0.362% | 297 | |
20 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,727 | +0.406% | 279 | |
21 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,944 | +0.136% | 172 | |
22 | Webster Bank, National Association | Strong | Sound | Sound | Acceptable | Strong | $1,385 | +0.071% | 221 | |
23 | UNITY BANK | Sound | Acceptable | Sound | Sound | Strong | $1,856 | +0.554% | 202 | |
24 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Strong | $4,435 | +0.372% | 306 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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