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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 Mortgage Company Lenders in New Jersey
Updated February 6, 2026
Market Overview
50
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 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,597 | +0.013% | 2,180 | |
2 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,253 | +0.627% | 896 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,068 | -0.048% | 501 | |
4 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Strong | Acceptable | Exceptional | -$228 | -0.243% | 521 | |
5 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,883 | +0.137% | 2,270 | |
6 | Advisors Mortgage Group, L.L.C. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,314 | +0.271% | 1,736 | |
7 | KWIK MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Sound | Strong | -$464 | -0.115% | 261 | |
8 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Sound | Strong | $1,088 | +0.054% | 231 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,433 | +0.239% | 6,687 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,539 | +0.175% | 4,989 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,337 | +0.204% | 1,267 | |
12 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Exceptional | $2,481 | +0.080% | 459 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $640 | -0.113% | 346 | |
14 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,666 | +0.478% | 331 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,979 | +0.317% | 198 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,342 | +0.372% | 5,464 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,386 | +0.126% | 2,925 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,572 | +0.396% | 1,443 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,746 | +0.385% | 1,407 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,422 | +0.535% | 1,100 | |
21 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,893 | +0.330% | 1,034 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,177 | +0.179% | 963 | |
23 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Exceptional | $3,223 | +0.396% | 416 | |
24 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,137 | +0.577% | 225 | |
25 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Exceptional | $2,576 | +0.463% | 1,384 | |
26 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,709 | +0.397% | 975 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,546 | +0.207% | 887 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,699 | +0.373% | 727 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,620 | +0.290% | 672 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,833 | +0.420% | 526 | |
31 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,847 | +0.464% | 467 | |
32 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,101 | +0.286% | 378 | |
33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,115 | +0.517% | 336 | |
34 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,878 | +0.503% | 300 | |
35 | 1st Colonial Community Bank | Strong | Sound | Sound | Sound | Exceptional | $1,972 | +0.218% | 271 | |
36 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,940 | +0.455% | 246 | |
37 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,958 | +0.507% | 1,716 | |
38 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $3,564 | +0.473% | 1,540 | |
39 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,959 | +0.414% | 1,163 | |
40 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,114 | +0.515% | 697 | |
41 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,530 | +0.304% | 491 | |
42 | MORTGAGE ACCESS CORP. | Strong | Acceptable | Strong | Sound | Exceptional | $3,273 | +0.317% | 465 | |
43 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,593 | +0.222% | 195 | |
44 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | Strong | $2,423 | +0.556% | 191 | |
45 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,607 | +0.389% | 173 | |
46 | BOND STREET MORTGAGE, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $2,825 | +0.296% | 648 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,674 | +0.774% | 560 | |
48 | FM Home Loans, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,381 | +0.329% | 288 | |
49 | MILLENIUM HOME MORTGAGE, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $3,550 | +0.074% | 261 | |
50 | NORWICH COMMERCIAL GROUP, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,239 | +0.429% | 238 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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