🛡️
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 Bank Mortgage Lenders in Newark
Updated February 5, 2026
Market Overview
23
Total Lenders
3,676
Total Loans
-0.01%
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 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $168 | -0.326% | 165 | |
7 | Columbia Bank | Exceptional | Exceptional | Sound | Strong | $368 | -0.289% | 67 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,283 | -0.140% | 401 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $964 | -0.321% | 262 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $218 | -0.132% | 237 | |
11 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | -$202 | -0.104% | 178 | |
12 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,424 | -0.080% | 110 | |
13 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $1,175 | -0.020% | 96 | |
14 | NBKC BANK | Strong | Exceptional | Sound | Sound | $837 | -0.347% | 41 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,360 | +0.026% | 586 | |
16 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Sound | $283 | -0.232% | 46 | |
17 | TD Bank, National Association | Strong | Sound | Sound | Strong | $481 | +0.126% | 222 | |
18 | Webster Bank, National Association | Strong | Sound | Sound | Strong | $1,043 | +0.030% | 80 | |
19 | Northpointe Bank | Strong | Sound | Strong | Sound | $2,652 | +0.305% | 37 | |
20 | UNITY BANK | Sound | Acceptable | Sound | Strong | $1,649 | +0.393% | 55 | |
21 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,910 | +0.267% | 54 | |
22 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $3,888 | +0.241% | 48 | |
23 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $5,286 | +0.486% | 46 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Newark, NJ
No credit impact
3-minute process
100% free