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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 FHA 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 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,598 | +0.284% | 299 | |
2 | Univest Bank and Trust Co. | Exceptional | Exceptional | Strong | Strong | Strong | $1,451 | +0.265% | 74 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,070 | +0.188% | 543 | |
4 | Mortgage America, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $2,135 | +0.251% | 309 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,365 | +0.323% | 91 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,966 | +0.355% | 128 | |
7 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,478 | +0.454% | 60 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,217 | +0.438% | 788 | |
9 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,657 | +0.428% | 310 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,887 | +0.347% | 125 | |
11 | Firstrust Savings Bank | Strong | Sound | Strong | Strong | Exceptional | $2,240 | +0.431% | 102 | |
12 | Fulton Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,690 | +0.356% | 84 | |
13 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,125 | +0.476% | 60 | |
14 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,632 | -0.172% | 20 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,652 | +0.555% | 239 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865 | +0.496% | 231 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,540 | +0.344% | 216 | |
18 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,370 | +0.408% | 107 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,175 | +0.521% | 90 | |
20 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,429 | +0.387% | 54 | |
21 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,577 | +0.522% | 41 | |
22 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,905 | +0.539% | 28 | |
23 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,029 | +0.435% | 25 | |
24 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Sound | $2,700 | +0.494% | 19 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,828 | +0.342% | 108 | |
26 | MORTGAGE ACCESS CORP. | Strong | Sound | Strong | Sound | Strong | $3,708 | +0.450% | 86 | |
27 | Quaint Oak Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $3,227 | +0.456% | 68 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,934 | +0.474% | 64 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.581% | 48 | |
30 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Sound | $2,065 | +0.120% | 33 | |
31 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,985 | +0.515% | 28 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,359 | +0.552% | 21 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,734 | +0.566% | 785 | |
34 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,457 | +0.604% | 165 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,769 | +0.328% | 101 | |
36 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,913 | +0.332% | 40 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,074 | +0.224% | 37 | |
38 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,955 | +0.676% | 31 | |
39 | AMERICAN FINANCIAL RESOURCES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,714 | +0.749% | 25 | |
40 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,317 | +0.264% | 21 | |
41 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,307 | +0.615% | 20 | |
42 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,263 | +0.409% | 20 | |
43 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Sound | $3,014 | +0.612% | 19 | |
44 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,428 | +0.562% | 84 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,250 | +0.234% | 79 | |
46 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,852 | +0.698% | 68 | |
47 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Sound | $4,902 | +0.353% | 32 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,336 | +0.550% | 29 | |
49 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $2,068 | -0.201% | 25 | |
50 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $3,245 | +1.139% | 22 |
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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