Safe Rate Rankings

Best Conventional 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	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	NJ LENDERS CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,238Fees	0.049%Above	32
6	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$490Fees	0.017%Below	26
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$393Fees	0.330%Below	17
8	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,408Fees	0.147%Above	105
9	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,801Fees	0.019%Below	90
10	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,029Fees	0.051%Above	39
11	AMERICAN FEDERAL MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Exceptional	Strong	Acceptable	Strong	$72Fees	0.296%Below	37
12	KWIK MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Exceptional	Sound	Sound	Strong	$1,675Credit	0.137%Below	27
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,439Fees	0.225%Above	312
14	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,729Fees	0.228%Above	199
15	MLD MORTGAGE INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$3,121Fees	0.106%Above	120
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,189Fees	0.264%Above	62
17	Advisors Mortgage Group, L.L.C.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,771Fees	0.238%Above	57
18	Provident BankBank	Strong	Exceptional	Sound	Sound	Sound	$404Fees	0.028%Below	13
19	DIGITALCredit Union	Strong	Exceptional	Strong	Acceptable	Sound	$933Credit	0.197%Below	11
20	Kearny BankBank	Strong	Exceptional	Sound	Sound	Sound	$788Fees	0.278%Below	10
21	Morgan Stanley Private Bank, National AssociationBank	Strong	Exceptional	Strong	Sound	Acceptable	$285Fees	0.468%Below	10
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,382Fees	0.468%Above	144
23	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,699Fees	0.319%Above	53
24	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Sound	$120Fees	0.115%Below	22
25	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,016Fees	0.162%Below	15
26	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,282Fees	0.150%Above	12
27	United Nations Federal Credit UnionCredit Union	Strong	Exceptional	Sound	Acceptable	Sound	$412Fees	0.328%Below	12
28	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,457Fees	0.265%Above	11
29	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,313Fees	0.292%Above	71
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,386Fees	0.251%Above	68
31	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,084Fees	0.376%Above	66
32	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$710Fees	0.068%Above	51
33	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,412Fees	0.373%Above	40
34	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,527Fees	0.130%Above	34
35	GREENTREE MORTGAGE COMPANY, L.P.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,628Fees	0.443%Above	47
36	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,060Fees	0.251%Above	33
37	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,587Fees	0.676%Above	32
38	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,961Fees	0.501%Above	31
39	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,220Fees	0.582%Above	29
40	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,380Fees	0.373%Above	27
41	ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,024Fees	0.456%Above	23
42	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,871Fees	0.284%Above	20
43	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,216Fees	0.680%Above	18
44	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,579Fees	0.299%Above	13
45	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,827Fees	0.611%Above	10
46	ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,573Fees	0.679%Above	52
47	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,676Fees	0.298%Above	31
48	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,121Fees	0.269%Above	18
49	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,607Fees	0.362%Above	17
50	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,641Fees	0.470%Above	12

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.