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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 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 | 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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $946 | -0.306% | 58 | |
3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | $570 | -0.111% | 36 | |
4 | Mortgage America, Inc. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,135 | +0.251% | 309 | |
5 | ESSA Bank & Trust | Exceptional | Exceptional | Sound | Strong | Strong | $179 | +0.226% | 86 | |
6 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$48 | +0.113% | 82 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $452 | +0.141% | 75 | |
8 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,866 | -0.093% | 53 | |
9 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $810 | -0.030% | 40 | |
10 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,153 | +0.097% | 144 | |
11 | First Commonwealth Federal Credit Union | Exceptional | Strong | Sound | Strong | Exceptional | $862 | +0.140% | 108 | |
12 | The Fidelity Deposit and Discount Bank | Exceptional | Strong | Strong | Strong | Strong | $1,536 | +0.327% | 95 | |
13 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Sound | $2,065 | +0.120% | 33 | |
14 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,623 | -0.028% | 31 | |
15 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,609 | +0.100% | 30 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,217 | +0.438% | 788 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,070 | +0.188% | 543 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,887 | +0.347% | 125 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,944 | +0.257% | 93 | |
20 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,461 | +0.198% | 21 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,734 | +0.566% | 785 | |
22 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,598 | +0.284% | 299 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,652 | +0.555% | 239 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865 | +0.496% | 231 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,540 | +0.344% | 216 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,966 | +0.355% | 128 | |
27 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Strong | $1,451 | +0.265% | 74 | |
28 | Quaint Oak Mortgage, LLC | Strong | Sound | Strong | Strong | Strong | $3,227 | +0.456% | 68 | |
29 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,429 | +0.387% | 54 | |
30 | Community Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $7 | +0.980% | 34 | |
31 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,955 | +0.676% | 31 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,068 | -0.201% | 25 | |
33 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Sound | $2,700 | +0.494% | 19 | |
34 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,136 | +0.307% | 19 | |
35 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $303 | +0.240% | 19 | |
36 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,657 | +0.428% | 310 | |
37 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,828 | +0.342% | 108 | |
38 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,370 | +0.408% | 107 | |
39 | Firstrust Savings Bank | Strong | Sound | Sound | Sound | Exceptional | $2,240 | +0.431% | 102 | |
40 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,365 | +0.323% | 91 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,175 | +0.521% | 90 | |
42 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,690 | +0.356% | 84 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,250 | +0.234% | 79 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,934 | +0.474% | 64 | |
45 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.581% | 48 | |
46 | NexBank | Strong | Sound | Strong | Strong | Sound | $3,514 | +0.233% | 25 | |
47 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,345 | +0.678% | 86 | |
48 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,125 | +0.476% | 60 | |
49 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,478 | +0.454% | 60 | |
50 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,577 | +0.522% | 41 |
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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