Safe Rate Rankings

Best VA Mortgage Lenders in Allentown

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders116

Total Loans8,572

Median Rate Spread0.37%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,070Fees	0.188%Above	543
2	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,598Fees	0.284%Above	299
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$946Fees	0.306%Below	58
4	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,865Fees	0.496%Above	231
5	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,966Fees	0.355%Above	128
6	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,365Fees	0.323%Above	91
7	NEWREZ LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,657Fees	0.428%Above	310
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,217Fees	0.438%Above	788
9	Mortgage America, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$2,135Fees	0.251%Above	309
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,887Fees	0.347%Above	125
11	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$2,042Fees	0.125%Below	24
12	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,734Fees	0.566%Above	785
13	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,540Fees	0.344%Above	216
14	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,769Fees	0.328%Above	101
15	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,175Fees	0.521%Above	90
16	Ixonia BankBank	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,457Fees	0.604%Above	165
17	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,307Fees	0.615%Above	20
18	The Federal Savings BankBank	Sound	Mediocre	Exceptional	Sound	Sound	$4,902Fees	0.353%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.