🛡️

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 Harrisburg

Updated February 5, 2026

Market Overview

Total Lenders

5,789

Total Loans

0.32%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	PENNSYLVANIA STATE EMPLOYEES Credit Union	Exceptional	Exceptional	Strong	Exceptional	$620	-0.131%	224
2	MEMBERS 1ST	Exceptional	Strong	Strong	Exceptional	$1,390	+0.032%	286
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$450	-0.352%	71
4	Traditions Bank	Exceptional	Strong	Exceptional	Strong	$2,127	+0.260%	43
5	S&T Bank	Exceptional	Exceptional	Sound	Strong	$309	+0.046%	32
6	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$2,506	+0.192%	339
7	Farmers and Merchants Trust Company of Chambersburg	Strong	Strong	Sound	Exceptional	$1,340	+0.001%	107
8	Manufacturers and Traders Trust Company	Strong	Strong	Strong	Strong	$504	+0.163%	66
9	Truist Bank	Strong	Strong	Strong	Strong	$1,428	+0.271%	52
10	PNC Bank, National Association	Strong	Strong	Strong	Strong	$899	+0.015%	45
11	PROVIDENT FUNDING ASSOCIATES, L.P.	Strong	Exceptional	Sound	Sound	$846	-0.105%	23
12	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Exceptional	$2,540	+0.117%	301
13	First National Bank of Pennsylvania	Strong	Sound	Strong	Exceptional	$1,167	+0.020%	182
14	Fulton Bank, National Association	Strong	Sound	Strong	Exceptional	$1,878	+0.314%	127
15	Mortgage America, Inc.	Strong	Sound	Exceptional	Strong	$1,844	+0.114%	59
16	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$2,075	+0.033%	59
17	Mid Penn Bank	Strong	Strong	Sound	Strong	$1,061	-0.042%	45
18	Citizens Bank, National Association	Strong	Strong	Strong	Sound	$1,765	-0.037%	20
19	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,043	+0.405%	549
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	$2,669	+0.563%	225
21	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	$3,175	+0.326%	214
22	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$2,668	+0.435%	97
23	Univest Bank and Trust Co.	Strong	Sound	Strong	Strong	$1,819	+0.095%	66
24	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$1,940	+0.978%	58
25	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$2,293	+0.440%	47
26	FIRST COLONY MORTGAGE CORPORATION	Strong	Sound	Exceptional	Sound	$1,665	+0.247%	27
27	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Exceptional	$3,427	+0.562%	229
28	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$2,561	+0.076%	146
29	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$2,965	+0.432%	128
30	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$1,988	+0.356%	74
31	Orrstown Bank	Strong	Sound	Sound	Strong	$1,485	+0.247%	69
32	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$2,925	+0.346%	46
33	MDE HOME LOANS, LLC	Strong	Sound	Sound	Strong	$149	+0.121%	46
34	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Sound	Strong	$2,891	+0.262%	45
35	GUARANTEED RATE, INC.	Strong	Sound	Strong	Sound	$1,638	+0.101%	20
36	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Sound	Exceptional	$2,666	+0.381%	223
37	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Strong	$434	+0.510%	120
38	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Strong	Strong	$4,143	+0.411%	106
39	EMM LOANS LLC	Strong	Acceptable	Strong	Strong	$4,038	+0.393%	66
40	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	$2,095	+0.298%	64
41	Homesale Mortgage, LLC	Strong	Acceptable	Strong	Strong	$1,906	+0.400%	56
42	RADIUS FINANCIAL GROUP INC.	Strong	Acceptable	Strong	Strong	$4,336	+0.549%	51
43	LOWER, LLC	Strong	Acceptable	Strong	Strong	$2,345	+0.539%	51
44	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Acceptable	Strong	Strong	$3,630	+0.118%	47
45	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,815	+0.458%	47
46	The Ephrata National Bank	Strong	Acceptable	Strong	Strong	$1,839	+0.327%	42
47	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$2,969	+0.109%	41
48	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Sound	$2,780	+0.505%	39
49	USAA Federal Savings Bank	Strong	Sound	Sound	Sound	$1,258	-0.184%	33
50	FIRST ALLIANCE HOME MORTGAGE, LLC	Sound	Acceptable	Sound	Strong	$3,452	+0.524%	84

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Harrisburg

No credit impact

3-minute process

100% free