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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 FHA 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,742	+0.133%	1,177
2	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,196	+0.211%	224
3	Manufacturers and Traders Trust Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,424	-0.080%	110
4	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,064	+0.147%	422
5	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$218	-0.132%	237
6	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,254	+0.144%	231
7	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Sound	$1,092	+0.373%	39
8	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,513	+0.187%	1,338
9	NJ LENDERS CORP.	Strong	Sound	Strong	Strong	Exceptional	$1,430	+0.006%	798
10	TD Bank, National Association	Strong	Strong	Strong	Sound	Strong	$481	+0.126%	222
11	Citizens Bank, National Association	Strong	Strong	Strong	Sound	Strong	-$202	-0.104%	178
12	Advisors Mortgage Group, L.L.C.	Strong	Sound	Exceptional	Strong	Strong	$3,005	+0.162%	88
13	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,157	+0.466%	77
14	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Strong	Strong	$1,930	-0.038%	59
15	KEYSTONE FUNDING, INC.	Strong	Sound	Exceptional	Exceptional	Sound	$2,867	+0.325%	44
16	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,334	+0.089%	1,050
17	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Exceptional	$2,360	+0.026%	586
18	Wells Fargo Bank, National Association	Strong	Sound	Strong	Sound	Exceptional	$1,283	-0.140%	401
19	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,487	+0.202%	377
20	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,693	+0.541%	338
21	MORTGAGE ACCESS CORP.	Strong	Sound	Strong	Sound	Exceptional	$3,366	+0.293%	177
22	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,934	+0.401%	169
23	BOND STREET MORTGAGE, LLC	Strong	Sound	Strong	Strong	Strong	$2,492	+0.339%	144
24	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,231	+0.448%	141
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,094	+0.324%	140
26	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,748	+0.542%	66
27	HOMEBRIDGE FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Strong	$3,592	+0.387%	56
28	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Sound	$2,910	+0.267%	54
29	FIRST COLONY MORTGAGE CORPORATION	Strong	Sound	Exceptional	Strong	Sound	$2,505	+0.489%	49
30	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Sound	$3,888	+0.241%	48
31	EMM LOANS LLC	Strong	Sound	Exceptional	Strong	Sound	$2,844	+0.451%	47
32	Northpointe Bank	Strong	Sound	Exceptional	Strong	Sound	$2,652	+0.305%	37
33	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,352	+0.409%	304
34	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,514	+0.289%	234
35	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,525	+0.297%	206
36	Provident Bank	Strong	Sound	Sound	Sound	Exceptional	-$1,122	-0.432%	199
37	NORWICH COMMERCIAL GROUP, INC.	Strong	Sound	Strong	Sound	Strong	$3,559	+0.495%	93
38	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$4,175	+0.362%	77
39	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,719	+0.495%	75
40	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,322	+0.609%	62
41	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,204	+0.370%	1,335
42	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,106	+0.477%	406
43	ABSOLUTE HOME MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,451	+0.452%	364
44	1ST 2ND MORTGAGE COMPANY OF N.J., INC.	Strong	Acceptable	Strong	Strong	Strong	$3,739	+0.327%	40
45	OCMBC, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,804	+0.764%	38
46	MILLENIUM HOME MORTGAGE, LLC	Strong	Acceptable	Sound	Strong	Strong	$3,434	+0.104%	109
47	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$630	-0.217%	55
48	The Federal Savings Bank	Strong	Acceptable	Exceptional	Sound	Sound	$5,286	+0.486%	46
49	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,761	+0.366%	41
50	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$4,066	+0.821%	38

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)

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.

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