Safe Rate Rankings

Best All Lender Mortgage Lenders in Trenton

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders74

Total Loans2,891

Median Rate Spread0.26%

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

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.