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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 FHA Mortgage Company Lenders in Newark
Updated February 5, 2026
Market Overview
49
Total Lenders
17,560
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
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 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064 | +0.147% | 422 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,254 | +0.144% | 231 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,092 | +0.373% | 39 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,513 | +0.187% | 1,338 | |
7 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Exceptional | $1,430 | +0.006% | 798 | |
8 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $3,005 | +0.162% | 88 | |
9 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,157 | +0.466% | 77 | |
10 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Strong | $1,930 | -0.038% | 59 | |
11 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,867 | +0.325% | 44 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,334 | +0.089% | 1,050 | |
13 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,487 | +0.202% | 377 | |
14 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,693 | +0.541% | 338 | |
15 | MORTGAGE ACCESS CORP. | Strong | Sound | Strong | Sound | Exceptional | $3,366 | +0.293% | 177 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,934 | +0.401% | 169 | |
17 | BOND STREET MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,492 | +0.339% | 144 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,231 | +0.448% | 141 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,094 | +0.324% | 140 | |
20 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,748 | +0.542% | 66 | |
21 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $3,592 | +0.387% | 56 | |
22 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Sound | $2,505 | +0.489% | 49 | |
23 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Sound | $2,844 | +0.451% | 47 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,352 | +0.409% | 304 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,514 | +0.289% | 234 | |
26 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,525 | +0.297% | 206 | |
27 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $3,559 | +0.495% | 93 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,175 | +0.362% | 77 | |
29 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,719 | +0.495% | 75 | |
30 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,322 | +0.609% | 62 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,204 | +0.370% | 1,335 | |
32 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,106 | +0.477% | 406 | |
33 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,451 | +0.452% | 364 | |
34 | 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | Strong | Acceptable | Strong | Strong | Strong | $3,739 | +0.327% | 40 | |
35 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,804 | +0.764% | 38 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,502 | +0.246% | 123 | |
37 | NATIONWIDE MORTGAGE BANKERS, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,428 | +0.755% | 122 | |
38 | MILLENIUM HOME MORTGAGE, LLC | Strong | Acceptable | Sound | Strong | Strong | $3,434 | +0.104% | 109 | |
39 | UNITED MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $5,878 | +0.605% | 71 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $630 | -0.217% | 55 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,761 | +0.366% | 41 | |
42 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,066 | +0.821% | 38 | |
43 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | Strong | $4,386 | +0.512% | 117 | |
44 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,886 | +0.566% | 112 | |
45 | PANORAMA MORTGAGE GROUP, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,557 | +0.647% | 69 | |
46 | JERSEY MORTGAGE COMPANY OF NEW JERSEY, INC. | Sound | Acceptable | Sound | Sound | Strong | $3,775 | +0.600% | 47 | |
47 | MLB RESIDENTIAL LENDING, LLC | Sound | Mediocre | Strong | Sound | Strong | $6,077 | +0.915% | 103 | |
48 | FIRST ALLIANCE HOME MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Strong | $4,122 | +0.271% | 68 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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