# Best Mortgage Lenders in Allentown

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

Compare the top mortgage lenders in Allentown. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/allentown/best-mortgage-lenders


> **📋 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:** 116
- **Total Loans:** 8,572
- **Median Rate Spread:** 0.36944736842105264%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Embassy Bank For The Lehigh Valley | 93 | 86 | 72 | 172 | Bank |
| 2 | First Commonwealth Federal Credit Union | 86 | 62 | 72 | 108 | Credit Union |
| 3 | ESSA Bank & Trust | 86 | 81 | 60 | 86 | Bank |
| 4 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 86 | 83 | 73 | 36 | Credit Union |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 543 | Independent Mortgage Company |
| 6 | Mortgage America, Inc. | 84 | 50 | 81 | 309 | Independent Mortgage Company |
| 7 | The Fidelity Deposit and Discount Bank | 80 | 62 | 73 | 95 | Bank |
| 8 | PNC Bank, National Association | 80 | 71 | 61 | 82 | Bank |
| 9 | Truist Bank | 80 | 70 | 68 | 75 | Bank |
| 10 | Bank of America, National Association | 80 | 73 | 75 | 53 | Bank |
| 11 | Firstrust Savings Bank | 78 | 57 | 67 | 102 | Bank |
| 12 | KEYSTONE FUNDING, INC. | 78 | 42 | 88 | 60 | Independent Mortgage Company |
| 13 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 58 | Credit Union |
| 14 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 788 | Independent Mortgage Company |
| 15 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 239 | Independent Mortgage Company |
| 16 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 231 | Independent Mortgage Company |
| 17 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 216 | Independent Mortgage Company |
| 18 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 144 | Bank |
| 19 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 128 | Independent Mortgage Company |
| 20 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 125 | Independent Mortgage Company |
| 21 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 108 | Independent Mortgage Company |
| 22 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 93 | Bank |
| 23 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 91 | Independent Mortgage Company |
| 24 | Fulton Bank, National Association | 73 | 40 | 64 | 84 | Bank |
| 25 | Univest Bank and Trust Co. | 73 | 58 | 68 | 74 | Bank |
| 26 | NJ LENDERS CORP. | 73 | 67 | 76 | 33 | Independent Mortgage Company |
| 27 | KeyBank National Association | 73 | 71 | 69 | 31 | Bank |
| 28 | The Huntington National Bank | 73 | 61 | 75 | 30 | Bank |
| 29 | Citizens Bank, National Association | 73 | 69 | 62 | 21 | Bank |
| 30 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 40 | Independent Mortgage Company |
| 31 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 785 | Independent Mortgage Company |
| 32 | Prosperity Home Mortgage, LLC | 68 | 37 | 77 | 299 | Independent Mortgage Company |
| 33 | T2 FINANCIAL LLC | 68 | 26 | 86 | 107 | Independent Mortgage Company |
| 34 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 90 | Independent Mortgage Company |
| 35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 68 | 26 | 87 | 64 | Independent Mortgage Company |
| 36 | PLANET HOME LENDING, LLC | 68 | 40 | 83 | 60 | Independent Mortgage Company |
| 37 | V.I.P. MORTGAGE, INC. | 68 | 29 | 83 | 54 | Independent Mortgage Company |
| 38 | Community Bank, National Association | 66 | 45 | 71 | 34 | Bank |
| 39 | NexBank | 66 | 41 | 66 | 25 | Bank |
| 40 | Mortgage Research Center, LLC | 63 | 34 | 70 | 101 | Independent Mortgage Company |
| 41 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 79 | Independent Mortgage Company |
| 42 | Quaint Oak Mortgage, LLC | 63 | 36 | 78 | 68 | Independent Mortgage Company |
| 43 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 48 | Independent Mortgage Company |
| 44 | NEWREZ LLC | 62 | 35 | 59 | 310 | Independent Mortgage Company |
| 45 | NFM, INC. | 62 | 23 | 87 | 28 | Independent Mortgage Company |
| 46 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 21 | Independent Mortgage Company |
| 47 | TD Bank, National Association | 60 | 47 | 57 | 37 | Bank |
| 48 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 25 | Independent Mortgage Company |
| 49 | USAA Federal Savings Bank | 60 | 54 | 45 | 24 | Bank |
| 50 | GoodLeap, LLC | 60 | 52 | 56 | 20 | Independent Mortgage Company |

## 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 Allentown.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.