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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 Company 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	NJ LENDERS CORP.	Exceptional	Strong	Exceptional	Strong	Strong	$2,238	+0.049%	32
2	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$490	-0.017%	26
3	AMERICAN FEDERAL MORTGAGE CORPORATION	Exceptional	Exceptional	Strong	Acceptable	Strong	$72	-0.296%	37
4	KWIK MORTGAGE CORPORATION	Exceptional	Exceptional	Sound	Sound	Strong	-$1,675	-0.137%	27
5	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,439	+0.225%	312
6	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,729	+0.228%	199
7	MLD MORTGAGE INC.	Strong	Sound	Strong	Strong	Exceptional	$3,121	+0.106%	120
8	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,189	+0.264%	62
9	Advisors Mortgage Group, L.L.C.	Strong	Sound	Exceptional	Strong	Strong	$1,771	+0.238%	57
10	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,382	+0.468%	144
11	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,699	+0.319%	53
12	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,016	-0.162%	15
13	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$1,282	+0.150%	12
14	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,457	+0.265%	11
15	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,313	+0.292%	71
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,386	+0.251%	68
17	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,084	+0.376%	66
18	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,412	+0.373%	40
19	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,527	+0.130%	34
20	GREENTREE MORTGAGE COMPANY, L.P.	Strong	Acceptable	Strong	Strong	Strong	$2,628	+0.443%	47
21	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,060	+0.251%	33
22	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$2,587	+0.676%	32
23	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,961	+0.501%	31
24	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Sound	$1,220	+0.582%	29
25	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,380	+0.373%	27
26	ALLIED MORTGAGE GROUP, INC.	Strong	Sound	Strong	Sound	Sound	$2,024	+0.456%	23
27	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,871	+0.284%	20
28	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,579	+0.299%	13
29	CONTOUR MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,827	+0.611%	10
30	ABSOLUTE HOME MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$3,573	+0.679%	52
31	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,676	+0.298%	31
32	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Sound	$2,121	+0.269%	18
33	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,607	+0.362%	17
34	KEYSTONE FUNDING, INC.	Strong	Acceptable	Strong	Strong	Sound	$3,641	+0.470%	12
35	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,503	+0.486%	10
36	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Sound	Mediocre	Exceptional	Strong	Sound	$4,254	+0.448%	31
37	NFM, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$3,364	+0.607%	29
38	EMBRACE HOME LOANS, INC.	Sound	Acceptable	Strong	Sound	Sound	$2,022	+0.198%	20
39	BOND STREET MORTGAGE, LLC	Sound	Acceptable	Sound	Sound	Sound	$2,982	+0.368%	19
40	ARK MORTGAGE, INC.	Sound	Acceptable	Sound	Sound	Sound	$2,015	+0.871%	10
41	NATIONWIDE MORTGAGE BANKERS, INC.	Sound	Mediocre	Strong	Strong	Sound	$5,250	+0.645%	10
42	Luminate Home Loans, Inc.	Sound	Mediocre	Exceptional	Strong	Acceptable	$3,334	+1.021%	10
43	PRINCETON MORTGAGE CORPORATION	Sound	Acceptable	Sound	Acceptable	Sound	$3,538	+0.303%	20
44	Cornerstone First Mortgage, Inc	Sound	Mediocre	Strong	Sound	Sound	$2,380	+0.645%	11
45	GUIDANCE RESIDENTIAL, LLC	Sound	Mediocre	Strong	Acceptable	Sound	$2,906	+0.426%	10
46	PANORAMA MORTGAGE GROUP, LLC	Sound	Mediocre	Sound	Acceptable	Sound	$2,812	+0.508%	10

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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