# Best Conventional Mortgage Bank Lenders in Trenton

**As of:** 2026-05-22

Compare the top banks for Conventional loans in Trenton.

> **Canonical URL:** https://saferate.com/trenton/best-mortgage-lenders/banks/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 74
- **Total Loans:** 2,891
- **Median Rate Spread:** 0.2582876712328767%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Bank of America, National Association | 85 | 71 | 67 | 89 | Bank |
| 2 | U.S. Bank National Association | 85 | 75 | 69 | 74 | Bank |
| 3 | PNC Bank, National Association | 85 | 75 | 63 | 37 | Bank |
| 4 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 105 | Bank |
| 5 | OceanFirst Bank, National Association | 83 | 95 | 81 | 23 | Bank |
| 6 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 90 | Bank |
| 7 | Citizens Bank, National Association | 79 | 70 | 59 | 39 | Bank |
| 8 | Manufacturers and Traders Trust Company | 73 | 59 | 76 | 22 | Bank |
| 9 | TD Bank, National Association | 69 | 54 | 50 | 51 | Bank |
| 10 | Provident Bank | 68 | 91 | 49 | 13 | Bank |
| 11 | Kearny Bank | 68 | 94 | 53 | 10 | Bank |
| 12 | Gateway First Bank | 66 | 27 | 75 | 18 | Bank |
| 13 | Morgan Stanley Private Bank, National Association | 66 | 96 | 57 | 10 | Bank |
| 14 | Flagstar Bank, N.A. | 60 | 34 | 72 | 10 | Bank |
| 15 | The Federal Savings Bank | 49 | 18 | 58 | 11 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Trenton.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.