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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 Conventional Mortgage Lenders in Trenton

Updated February 5, 2026

Market Overview

Total Lenders

2,891

Total Loans

0.26%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	OceanFirst Bank, National Association	Exceptional	Exceptional	Strong	Exceptional	Sound	-$869	-0.342%	23
2	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,057	-0.242%	89
3	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$65	-0.008%	74
4	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,078	+0.079%	37
5	NJ LENDERS CORP.	Exceptional	Strong	Exceptional	Strong	Strong	$2,238	+0.049%	32
6	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$490	-0.017%	26
7	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$393	-0.330%	17
8	JPMorgan Chase Bank, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,408	+0.147%	105
9	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,801	-0.019%	90
10	Citizens Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,029	+0.051%	39
11	AMERICAN FEDERAL MORTGAGE CORPORATION	Exceptional	Exceptional	Strong	Acceptable	Strong	$72	-0.296%	37
12	KWIK MORTGAGE CORPORATION	Exceptional	Exceptional	Sound	Sound	Strong	-$1,675	-0.137%	27
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,439	+0.225%	312
14	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,729	+0.228%	199
15	MLD MORTGAGE INC.	Strong	Sound	Strong	Strong	Exceptional	$3,121	+0.106%	120
16	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,189	+0.264%	62
17	Advisors Mortgage Group, L.L.C.	Strong	Sound	Exceptional	Strong	Strong	$1,771	+0.238%	57
18	Provident Bank	Strong	Exceptional	Sound	Sound	Sound	$404	-0.028%	13
19	DIGITAL	Strong	Exceptional	Strong	Acceptable	Sound	-$933	-0.197%	11
20	Kearny Bank	Strong	Exceptional	Sound	Sound	Sound	$788	-0.278%	10
21	Morgan Stanley Private Bank, National Association	Strong	Exceptional	Strong	Sound	Acceptable	$285	-0.468%	10
22	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,382	+0.468%	144
23	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,699	+0.319%	53
24	Manufacturers and Traders Trust Company	Strong	Sound	Exceptional	Strong	Sound	$120	-0.115%	22
25	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,016	-0.162%	15
26	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$1,282	+0.150%	12
27	United Nations Federal Credit Union	Strong	Exceptional	Sound	Acceptable	Sound	$412	-0.328%	12
28	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,457	+0.265%	11
29	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,313	+0.292%	71
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,386	+0.251%	68
31	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,084	+0.376%	66
32	TD Bank, National Association	Strong	Sound	Strong	Sound	Strong	$710	+0.068%	51
33	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,412	+0.373%	40
34	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,527	+0.130%	34
35	GREENTREE MORTGAGE COMPANY, L.P.	Strong	Acceptable	Strong	Strong	Strong	$2,628	+0.443%	47
36	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,060	+0.251%	33
37	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$2,587	+0.676%	32
38	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,961	+0.501%	31
39	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$1,220	+0.582%	29
40	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,380	+0.373%	27
41	ALLIED MORTGAGE GROUP, INC.	Strong	Sound	Strong	Sound	Sound	$2,024	+0.456%	23
42	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,871	+0.284%	20
43	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,216	+0.680%	18
44	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,579	+0.299%	13
45	CONTOUR MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,827	+0.611%	10
46	ABSOLUTE HOME MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$3,573	+0.679%	52
47	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,676	+0.298%	31
48	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Sound	$2,121	+0.269%	18
49	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,607	+0.362%	17
50	KEYSTONE FUNDING, INC.	Strong	Acceptable	Strong	Strong	Sound	$3,641	+0.470%	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.

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