# Best Conventional Mortgage Lenders in Trenton

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

Compare the top Conventional mortgage lenders in Trenton. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/trenton/best-mortgage-lenders/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 | NJ LENDERS CORP. | 85 | 69 | 72 | 32 | Independent Mortgage Company |
| 5 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 105 | Bank |
| 6 | OceanFirst Bank, National Association | 83 | 95 | 81 | 23 | Bank |
| 7 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 312 | Independent Mortgage Company |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 199 | Independent Mortgage Company |
| 9 | MLD MORTGAGE INC. | 79 | 49 | 74 | 120 | Independent Mortgage Company |
| 10 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 90 | Bank |
| 11 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 62 | Independent Mortgage Company |
| 12 | Advisors Mortgage Group, L.L.C. | 79 | 44 | 78 | 57 | Independent Mortgage Company |
| 13 | Citizens Bank, National Association | 79 | 70 | 59 | 39 | Bank |
| 14 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 26 | Independent Mortgage Company |
| 15 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 17 | Credit Union |
| 16 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 144 | Independent Mortgage Company |
| 17 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 53 | Independent Mortgage Company |
| 18 | KWIK MORTGAGE CORPORATION | 73 | 95 | 42 | 27 | Independent Mortgage Company |
| 19 | Manufacturers and Traders Trust Company | 73 | 59 | 76 | 22 | Bank |
| 20 | BAY EQUITY LLC | 73 | 46 | 65 | 12 | Independent Mortgage Company |
| 21 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 11 | Independent Mortgage Company |
| 22 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 71 | Independent Mortgage Company |
| 23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 68 | Independent Mortgage Company |
| 24 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 66 | Independent Mortgage Company |
| 25 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 40 | Independent Mortgage Company |
| 26 | AMERICAN FEDERAL MORTGAGE CORPORATION | 71 | 96 | 39 | 37 | Independent Mortgage Company |
| 27 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 34 | Independent Mortgage Company |
| 28 | TD Bank, National Association | 69 | 54 | 50 | 51 | Bank |
| 29 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 15 | Independent Mortgage Company |
| 30 | Provident Bank | 68 | 91 | 49 | 13 | Bank |
| 31 | Kearny Bank | 68 | 94 | 53 | 10 | Bank |
| 32 | GREENTREE MORTGAGE COMPANY, L.P. | 67 | 29 | 71 | 47 | Independent Mortgage Company |
| 33 | GUARANTEED RATE AFFINITY, LLC | 66 | 32 | 54 | 33 | Independent Mortgage Company |
| 34 | Paramount Residential Mortgage Group, Inc. | 66 | 24 | 60 | 32 | Independent Mortgage Company |
| 35 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 31 | Independent Mortgage Company |
| 36 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 27 | Independent Mortgage Company |
| 37 | THE LOAN STORE, INC. | 66 | 39 | 71 | 20 | Independent Mortgage Company |
| 38 | Gateway First Bank | 66 | 27 | 75 | 18 | Bank |
| 39 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 26 | 76 | 13 | Independent Mortgage Company |
| 40 | DIGITAL | 66 | 84 | 25 | 11 | Credit Union |
| 41 | Morgan Stanley Private Bank, National Association | 66 | 96 | 57 | 10 | Bank |
| 42 | CONTOUR MORTGAGE CORPORATION | 66 | 29 | 66 | 10 | Independent Mortgage Company |
| 43 | FREEDOM MORTGAGE CORPORATION | 64 | 41 | 47 | 29 | Independent Mortgage Company |
| 44 | ALLIED MORTGAGE GROUP, INC. | 64 | 43 | 49 | 23 | Independent Mortgage Company |
| 45 | ABSOLUTE HOME MORTGAGE CORPORATION | 63 | 22 | 57 | 52 | Independent Mortgage Company |
| 46 | NATIONS DIRECT MORTGAGE, LLC | 63 | 40 | 66 | 18 | Independent Mortgage Company |
| 47 | KEYSTONE FUNDING, INC. | 63 | 38 | 79 | 12 | Independent Mortgage Company |
| 48 | NEWREZ LLC | 62 | 31 | 58 | 31 | Independent Mortgage Company |
| 49 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 17 | Independent Mortgage Company |
| 50 | United Nations Federal Credit Union | 62 | 81 | 36 | 12 | Credit Union |

## 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.