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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 Lenders in Newark
Updated February 5, 2026
Market Overview
176
Total Lenders
17,560
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | -$1,485 | -0.486% | 58 | |
2 | Provident Bank | Exceptional | Exceptional | Sound | Exceptional | -$1,122 | -0.432% | 199 | |
3 | Valley National Bank | Exceptional | Exceptional | Strong | Strong | $1,126 | -0.434% | 124 | |
4 | Kearny Bank | Exceptional | Exceptional | Strong | Strong | $1,008 | -0.269% | 118 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $293 | -0.499% | 107 | |
6 | NJ LENDERS CORP. | Exceptional | Strong | Strong | Exceptional | $1,430 | +0.006% | 798 | |
7 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $168 | -0.326% | 165 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,033 | -0.021% | 120 | |
9 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Strong | $52 | -0.259% | 117 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $247 | -0.545% | 79 | |
11 | Columbia Bank | Exceptional | Exceptional | Sound | Strong | $368 | -0.289% | 67 | |
12 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Strong | $1,404 | +0.003% | 56 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,742 | +0.133% | 1,177 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,283 | -0.140% | 401 | |
15 | Bank of America, National Association | Strong | Strong | Strong | Strong | $964 | -0.321% | 262 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $218 | -0.132% | 237 | |
17 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | -$202 | -0.104% | 178 | |
18 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,424 | -0.080% | 110 | |
19 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $1,175 | -0.020% | 96 | |
20 | NBKC BANK | Strong | Exceptional | Sound | Sound | $837 | -0.347% | 41 | |
21 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,334 | +0.089% | 1,050 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,360 | +0.026% | 586 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,064 | +0.147% | 422 | |
24 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | $3,005 | +0.162% | 88 | |
25 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $1,930 | -0.038% | 59 | |
26 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Sound | $283 | -0.232% | 46 | |
27 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,513 | +0.187% | 1,338 | |
28 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,254 | +0.144% | 231 | |
29 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,196 | +0.211% | 224 | |
30 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $3,559 | +0.495% | 93 | |
31 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $2,505 | +0.489% | 49 | |
32 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Sound | $2,867 | +0.325% | 44 | |
33 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,092 | +0.373% | 39 | |
34 | United Nations Federal Credit Union | Strong | Strong | Sound | Sound | -$37 | -0.537% | 39 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,204 | +0.370% | 1,335 | |
36 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $2,487 | +0.202% | 377 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $3,693 | +0.541% | 338 | |
38 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,352 | +0.409% | 304 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,514 | +0.289% | 234 | |
40 | TD Bank, National Association | Strong | Sound | Sound | Strong | $481 | +0.126% | 222 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,231 | +0.448% | 141 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,094 | +0.324% | 140 | |
43 | Webster Bank, National Association | Strong | Sound | Sound | Strong | $1,043 | +0.030% | 80 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,175 | +0.362% | 77 | |
45 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $3,748 | +0.542% | 66 | |
46 | Northpointe Bank | Strong | Sound | Strong | Sound | $2,652 | +0.305% | 37 | |
47 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $2,525 | +0.297% | 206 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,502 | +0.246% | 123 | |
49 | MILLENIUM HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,434 | +0.104% | 109 | |
50 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,288 | +0.388% | 86 |
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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