# Best Conventional Mortgage Lenders in Allentown

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

Compare the top Conventional mortgage lenders in Allentown. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Mortgage America, Inc. | 88 | 49 | 81 | 309 | Independent Mortgage Company |
| 2 | PNC Bank, National Association | 85 | 75 | 63 | 82 | Bank |
| 3 | Truist Bank | 85 | 71 | 69 | 75 | Bank |
| 4 | Bank of America, National Association | 85 | 71 | 67 | 53 | Bank |
| 5 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 85 | 82 | 73 | 36 | Credit Union |
| 6 | Embassy Bank For The Lehigh Valley | 83 | 87 | 68 | 172 | Bank |
| 7 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 58 | Credit Union |
| 8 | The Fidelity Deposit and Discount Bank | 80 | 62 | 80 | 95 | Bank |
| 9 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 788 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 543 | Independent Mortgage Company |
| 11 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 144 | Bank |
| 12 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 125 | Independent Mortgage Company |
| 13 | First Commonwealth Federal Credit Union | 79 | 62 | 68 | 108 | Credit Union |
| 14 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 93 | Bank |
| 15 | ESSA Bank & Trust | 79 | 83 | 62 | 86 | Bank |
| 16 | NJ LENDERS CORP. | 79 | 69 | 72 | 33 | Independent Mortgage Company |
| 17 | KeyBank National Association | 79 | 70 | 66 | 31 | Bank |
| 18 | The Huntington National Bank | 79 | 63 | 75 | 30 | Bank |
| 19 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 40 | Independent Mortgage Company |
| 20 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 785 | Independent Mortgage Company |
| 21 | Prosperity Home Mortgage, LLC | 75 | 33 | 71 | 299 | Independent Mortgage Company |
| 22 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 239 | Independent Mortgage Company |
| 23 | CMG MORTGAGE, INC. | 75 | 34 | 73 | 231 | Independent Mortgage Company |
| 24 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 216 | Independent Mortgage Company |
| 25 | V.I.P. MORTGAGE, INC. | 75 | 29 | 82 | 54 | Independent Mortgage Company |
| 26 | Univest Bank and Trust Co. | 74 | 53 | 63 | 74 | Bank |
| 27 | Quaint Oak Mortgage, LLC | 74 | 41 | 70 | 68 | Independent Mortgage Company |
| 28 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 128 | Independent Mortgage Company |
| 29 | Community Bank, National Association | 73 | 46 | 73 | 34 | Bank |
| 30 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 31 | Independent Mortgage Company |
| 31 | Citizens Bank, National Association | 73 | 70 | 59 | 21 | Bank |
| 32 | Advisors Mortgage Group, L.L.C. | 73 | 44 | 78 | 19 | Independent Mortgage Company |
| 33 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 19 | Independent Mortgage Company |
| 34 | Manufacturers and Traders Trust Company | 73 | 59 | 76 | 19 | Bank |
| 35 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 108 | Independent Mortgage Company |
| 36 | T2 FINANCIAL LLC | 71 | 26 | 77 | 107 | Independent Mortgage Company |
| 37 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 90 | Independent Mortgage Company |
| 38 | Fulton Bank, National Association | 71 | 39 | 63 | 84 | Bank |
| 39 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 79 | Independent Mortgage Company |
| 40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 20 | 78 | 64 | Independent Mortgage Company |
| 41 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 48 | Independent Mortgage Company |
| 42 | NEWREZ LLC | 70 | 31 | 58 | 310 | Independent Mortgage Company |
| 43 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 91 | Independent Mortgage Company |
| 44 | NexBank | 69 | 43 | 66 | 25 | Bank |
| 45 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 25 | Independent Mortgage Company |
| 46 | Firstrust Savings Bank | 68 | 58 | 51 | 102 | Bank |
| 47 | KEYSTONE FUNDING, INC. | 67 | 38 | 79 | 60 | Independent Mortgage Company |
| 48 | PLANET HOME LENDING, LLC | 67 | 35 | 69 | 60 | Independent Mortgage Company |
| 49 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 86 | Independent Mortgage Company |
| 50 | Flagstar Bank, N.A. | 66 | 34 | 72 | 41 | Bank |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.