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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 Mortgage Lenders in Chambersburg
Updated February 5, 2026
Market Overview
38
Total Lenders
1,268
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Farmers and Merchants Trust Company of Chambersburg | Strong | Strong | Sound | Exceptional | $900 | +0.276% | 76 | |
2 | PATRIOT | Strong | Strong | Sound | Exceptional | $903 | +0.006% | 68 | |
3 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,214 | +0.204% | 27 | |
4 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $941 | -0.443% | 23 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $1,750 | -0.013% | 48 | |
6 | ACNB Bank | Strong | Strong | Sound | Strong | $1,081 | +0.216% | 21 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,224 | +0.384% | 138 | |
8 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Exceptional | $3,653 | +0.604% | 94 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,259 | +0.272% | 71 | |
10 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $4,549 | +0.685% | 68 | |
11 | Orrstown Bank | Strong | Sound | Sound | Exceptional | $1,474 | +0.358% | 44 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,071 | +0.502% | 87 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,270 | +0.738% | 21 | |
14 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,736 | +1.963% | 55 | |
15 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,449 | +0.340% | 21 | |
16 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,262 | +0.489% | 49 | |
17 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Exceptional | Strong | $4,687 | +0.807% | 41 | |
18 | TIDEWATER MORTGAGE SERVICES, INC. | Sound | Acceptable | Strong | Sound | $2,442 | +0.428% | 20 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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