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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 Chambersburg
Updated February 5, 2026
Market Overview
38
Total Lenders
1,268
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Farmers and Merchants Trust Company of Chambersburg | Exceptional | Strong | Strong | Strong | Exceptional | $900 | +0.276% | 76 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $941 | -0.443% | 23 | |
3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Sound | $447 | -0.149% | 16 | |
4 | PATRIOT | Exceptional | Strong | Sound | Strong | Exceptional | $903 | +0.006% | 68 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,224 | +0.384% | 138 | |
6 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,214 | +0.204% | 27 | |
7 | ACNB Bank | Strong | Strong | Sound | Strong | Strong | $1,081 | +0.216% | 21 | |
8 | MEMBERS 1ST | Strong | Strong | Strong | Strong | Sound | $795 | -0.074% | 17 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,970 | +0.125% | 13 | |
10 | CORNING CREDIT UNION | Strong | Strong | Strong | Strong | Sound | $1,603 | -0.223% | 10 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,071 | +0.502% | 87 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,259 | +0.272% | 71 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,549 | +0.685% | 68 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,750 | -0.013% | 48 | |
15 | Orrstown Bank | Strong | Sound | Sound | Strong | Exceptional | $1,474 | +0.358% | 44 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,546 | -0.052% | 17 | |
17 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,653 | +0.604% | 94 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,140 | +0.117% | 17 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Acceptable | $1,733 | +0.245% | 10 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,262 | +0.489% | 49 | |
21 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,449 | +0.340% | 21 | |
22 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Sound | $1,881 | +0.450% | 19 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,822 | +0.392% | 17 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,476 | +0.120% | 15 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $4,000 | +0.325% | 11 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,830 | +0.279% | 11 | |
27 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,442 | +0.428% | 20 | |
28 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,241 | +0.429% | 15 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,504 | +0.596% | 12 | |
30 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,687 | +0.807% | 41 | |
31 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $1,411 | +0.531% | 12 | |
32 | Community State Bank of Orbisonia | Sound | Acceptable | Acceptable | Sound | Sound | $656 | -0.028% | 13 |
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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