🛡️
Safe Rate's TrueRank Guarantee
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 Mortgage Lenders in Allentown
Updated February 5, 2026
Market Overview
116
Total Lenders
8,572
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Embassy Bank For The Lehigh Valley | Exceptional | Exceptional | Strong | Exceptional | $658 | -0.117% | 172 | |
2 | ESSA Bank & Trust | Exceptional | Exceptional | Strong | Strong | $179 | +0.226% | 86 | |
3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | $570 | -0.111% | 36 | |
4 | First Commonwealth Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $862 | +0.140% | 108 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $946 | -0.306% | 58 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,070 | +0.188% | 543 | |
7 | Mortgage America, Inc. | Strong | Sound | Exceptional | Exceptional | $2,135 | +0.251% | 309 | |
8 | The Fidelity Deposit and Discount Bank | Strong | Strong | Strong | Strong | $1,536 | +0.327% | 95 | |
9 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$48 | +0.113% | 82 | |
10 | Truist Bank | Strong | Strong | Strong | Strong | $452 | +0.141% | 75 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,866 | -0.093% | 53 | |
12 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $810 | -0.030% | 40 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,153 | +0.097% | 144 | |
14 | Firstrust Savings Bank | Strong | Sound | Strong | Exceptional | $2,240 | +0.431% | 102 | |
15 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $2,478 | +0.454% | 60 | |
16 | NJ LENDERS CORP. | Strong | Strong | Strong | Sound | $2,065 | +0.120% | 33 | |
17 | KeyBank National Association | Strong | Strong | Strong | Sound | $1,623 | -0.028% | 31 | |
18 | The Huntington National Bank | Strong | Strong | Strong | Sound | $1,609 | +0.100% | 30 | |
19 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,461 | +0.198% | 21 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,217 | +0.438% | 788 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,652 | +0.555% | 239 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,865 | +0.496% | 231 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,540 | +0.344% | 216 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,966 | +0.355% | 128 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,887 | +0.347% | 125 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,828 | +0.342% | 108 | |
27 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,944 | +0.257% | 93 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,365 | +0.323% | 91 | |
29 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $1,690 | +0.356% | 84 | |
30 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | $1,451 | +0.265% | 74 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,734 | +0.566% | 785 | |
32 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,598 | +0.284% | 299 | |
33 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,370 | +0.408% | 107 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,175 | +0.521% | 90 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $2,934 | +0.474% | 64 | |
36 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $3,125 | +0.476% | 60 | |
37 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,429 | +0.387% | 54 | |
38 | Community Bank, National Association | Strong | Sound | Strong | Sound | $7 | +0.980% | 34 | |
39 | NexBank | Strong | Sound | Strong | Sound | $3,514 | +0.233% | 25 | |
40 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $2,657 | +0.428% | 310 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,769 | +0.328% | 101 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,250 | +0.234% | 79 | |
43 | Quaint Oak Mortgage, LLC | Strong | Acceptable | Strong | Strong | $3,227 | +0.456% | 68 | |
44 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,151 | +0.581% | 48 | |
45 | TD Bank, National Association | Strong | Sound | Sound | Sound | $792 | +0.334% | 37 | |
46 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,985 | +0.515% | 28 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,068 | -0.201% | 25 | |
48 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,042 | -0.125% | 24 | |
49 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $3,359 | +0.552% | 21 | |
50 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $4,632 | -0.172% | 20 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Allentown
No credit impact
3-minute process
100% free