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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 Trenton
Updated February 5, 2026
Market Overview
74
Total Lenders
2,891
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National Association | Exceptional | Exceptional | Exceptional | Sound | -$869 | -0.342% | 23 | |
2 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Strong | $72 | -0.296% | 37 | |
3 | KWIK MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Strong | -$1,675 | -0.137% | 27 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,729 | +0.228% | 199 | |
5 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Exceptional | $3,121 | +0.106% | 120 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,057 | -0.242% | 89 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $65 | -0.008% | 74 | |
8 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,029 | +0.051% | 39 | |
9 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $1,078 | +0.079% | 37 | |
10 | NJ LENDERS CORP. | Strong | Strong | Strong | Strong | $2,238 | +0.049% | 32 | |
11 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $490 | -0.017% | 26 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,408 | +0.147% | 105 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,801 | -0.019% | 90 | |
14 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | $1,771 | +0.238% | 57 | |
15 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $120 | -0.115% | 22 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,439 | +0.225% | 312 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,189 | +0.264% | 62 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,699 | +0.319% | 53 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,527 | +0.130% | 34 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,382 | +0.468% | 144 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,386 | +0.251% | 68 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,084 | +0.376% | 66 | |
23 | TD Bank, National Association | Strong | Sound | Sound | Strong | $710 | +0.068% | 51 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,412 | +0.373% | 40 | |
25 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $1,220 | +0.582% | 29 | |
26 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | $2,024 | +0.456% | 23 | |
27 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,313 | +0.292% | 71 | |
28 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | $2,628 | +0.443% | 47 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $3,060 | +0.251% | 33 | |
30 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,364 | +0.607% | 29 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,380 | +0.373% | 27 | |
32 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,587 | +0.676% | 32 | |
33 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,961 | +0.501% | 31 | |
34 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | $2,022 | +0.198% | 20 | |
35 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $1,871 | +0.284% | 20 | |
36 | ABSOLUTE HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $3,573 | +0.679% | 52 | |
37 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $3,676 | +0.298% | 31 | |
38 | PRINCETON MORTGAGE CORPORATION | Sound | Acceptable | Sound | Sound | $3,538 | +0.303% | 20 | |
39 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $4,254 | +0.448% | 31 |
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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