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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 Conventional Mortgage Bank Lenders in Allentown
Updated February 5, 2026
Market Overview
25
Total Lenders
8,572
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Embassy Bank For The Lehigh Valley | Exceptional | Exceptional | Sound | Strong | Exceptional | $658 | -0.117% | 172 | |
2 | ESSA Bank & Trust | Exceptional | Exceptional | Sound | Strong | Strong | $179 | +0.226% | 86 | |
3 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$48 | +0.113% | 82 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $452 | +0.141% | 75 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,866 | -0.093% | 53 | |
6 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,153 | +0.097% | 144 | |
7 | The Fidelity Deposit and Discount Bank | Exceptional | Strong | Strong | Strong | Strong | $1,536 | +0.327% | 95 | |
8 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,623 | -0.028% | 31 | |
9 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,609 | +0.100% | 30 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,944 | +0.257% | 93 | |
11 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,461 | +0.198% | 21 | |
12 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Strong | $1,451 | +0.265% | 74 | |
13 | Community Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $7 | +0.980% | 34 | |
14 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $303 | +0.240% | 19 | |
15 | Firstrust Savings Bank | Strong | Sound | Sound | Sound | Exceptional | $2,240 | +0.431% | 102 | |
16 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,690 | +0.356% | 84 | |
17 | NexBank | Strong | Sound | Strong | Strong | Sound | $3,514 | +0.233% | 25 | |
18 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Strong | Acceptable | Sound | $282 | +0.284% | 19 | |
19 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,457 | +0.604% | 165 | |
20 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,577 | +0.522% | 41 | |
21 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $792 | +0.334% | 37 | |
22 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,029 | +0.435% | 25 | |
23 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,042 | -0.125% | 24 | |
24 | UNITY BANK | Sound | Acceptable | Sound | Sound | Sound | $1,466 | +0.508% | 20 | |
25 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Sound | $4,902 | +0.353% | 32 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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