🛡️

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 Newark

Updated February 5, 2026

Market Overview

Total Lenders

13,634

Total Loans

0.40%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	NJ LENDERS CORP.	Exceptional	Strong	Strong	Exceptional	$1,430	+0.006%	798
2	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Sound	Strong	$1,033	-0.021%	120
3	AMERICAN FEDERAL MORTGAGE CORPORATION	Exceptional	Exceptional	Sound	Strong	$52	-0.259%	117
4	PINNACLE MORTGAGE, INC.	Exceptional	Exceptional	Sound	Strong	$1,404	+0.003%	56
5	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$2,742	+0.133%	1,177
6	GUARANTEED RATE, INC.	Strong	Sound	Strong	Exceptional	$2,334	+0.089%	1,050
7	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Exceptional	$2,064	+0.147%	422
8	Advisors Mortgage Group, L.L.C.	Strong	Sound	Exceptional	Strong	$3,005	+0.162%	88
9	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Strong	$1,930	-0.038%	59
10	BETTER MORTGAGE CORPORATION	Strong	Exceptional	Acceptable	Sound	-$815	-0.051%	46
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,513	+0.187%	1,338
12	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$1,254	+0.144%	231
13	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$2,196	+0.211%	224
14	NORWICH COMMERCIAL GROUP, INC.	Strong	Sound	Strong	Strong	$3,559	+0.495%	93
15	FIRST COLONY MORTGAGE CORPORATION	Strong	Sound	Exceptional	Sound	$2,505	+0.489%	49
16	KEYSTONE FUNDING, INC.	Strong	Sound	Exceptional	Sound	$2,867	+0.325%	44
17	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Sound	$1,092	+0.373%	39
18	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$3,204	+0.370%	1,335
19	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Strong	Exceptional	$2,487	+0.202%	377
20	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Strong	Exceptional	$3,693	+0.541%	338
21	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$4,352	+0.409%	304
22	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$3,514	+0.289%	234
23	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	$3,231	+0.448%	141
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$4,094	+0.324%	140
25	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	$4,175	+0.362%	77
26	Nations Lending Corporation	Strong	Acceptable	Exceptional	Strong	$3,748	+0.542%	66
27	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Strong	$2,525	+0.297%	206
28	MORTGAGE ACCESS CORP.	Strong	Acceptable	Sound	Exceptional	$3,366	+0.293%	177
29	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,502	+0.246%	123
30	MILLENIUM HOME MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$3,434	+0.104%	109
31	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$2,288	+0.388%	86
32	Prosperity Home Mortgage, LLC	Strong	Acceptable	Strong	Strong	$1,993	+0.334%	82
33	KIND LENDING, LLC	Strong	Acceptable	Strong	Strong	$3,157	+0.466%	77
34	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	$2,719	+0.495%	75
35	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$1,837	+0.356%	71
36	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Strong	Strong	$2,322	+0.609%	62
37	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	$630	-0.217%	55
38	1ST 2ND MORTGAGE COMPANY OF N.J., INC.	Strong	Acceptable	Strong	Strong	$3,739	+0.327%	40
39	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Sound	Mediocre	Strong	Exceptional	$3,106	+0.477%	406
40	ABSOLUTE HOME MORTGAGE CORPORATION	Sound	Mediocre	Strong	Exceptional	$4,451	+0.452%	364
41	NEWREZ LLC	Sound	Acceptable	Sound	Strong	$2,934	+0.401%	169
42	BOND STREET MORTGAGE, LLC	Sound	Acceptable	Sound	Strong	$2,492	+0.339%	144
43	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Strong	$3,886	+0.566%	112
44	FIRST ALLIANCE HOME MORTGAGE, LLC	Sound	Acceptable	Sound	Strong	$4,122	+0.271%	68
45	HOMEBRIDGE FINANCIAL SERVICES, INC.	Sound	Acceptable	Sound	Strong	$3,592	+0.387%	56
46	EMM LOANS LLC	Sound	Acceptable	Strong	Sound	$2,844	+0.451%	47
47	JERSEY MORTGAGE COMPANY OF NEW JERSEY, INC.	Sound	Acceptable	Sound	Strong	$3,775	+0.600%	47
48	OCMBC, INC.	Sound	Acceptable	Strong	Sound	$2,804	+0.764%	38
49	NATIONWIDE MORTGAGE BANKERS, INC.	Sound	Mediocre	Strong	Strong	$6,428	+0.755%	122
50	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Sound	Sound	$4,761	+0.366%	41

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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