Safe Rate Rankings

Best Conventional Mortgage Bank 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	OceanFirst Bank, National AssociationBank	Exceptional	Exceptional	Strong	Exceptional	Sound	$869Credit	0.342%Below	23
2	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,057Fees	0.242%Below	89
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$65Fees	0.008%Below	74
4	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,078Fees	0.079%Above	37
5	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,408Fees	0.147%Above	105
6	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,801Fees	0.019%Below	90
7	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,029Fees	0.051%Above	39
8	Provident BankBank	Strong	Exceptional	Sound	Sound	Sound	$404Fees	0.028%Below	13
9	Kearny BankBank	Strong	Exceptional	Sound	Sound	Sound	$788Fees	0.278%Below	10
10	Morgan Stanley Private Bank, National AssociationBank	Strong	Exceptional	Strong	Sound	Acceptable	$285Fees	0.468%Below	10
11	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Sound	$120Fees	0.115%Below	22
12	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$710Fees	0.068%Above	51
13	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,216Fees	0.680%Above	18
14	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Acceptable	$2,996Fees	0.569%Above	10
15	The Federal Savings BankBank	Sound	Mediocre	Strong	Sound	Sound	$2,882Fees	0.626%Above	11

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.