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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 Harrisburg

Updated February 5, 2026

Market Overview

Total Lenders

5,789

Total Loans

0.32%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PENNSYLVANIA STATE EMPLOYEES Credit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$620	-0.131%	224
2	First National Bank of Pennsylvania	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,167	+0.020%	182
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$450	-0.352%	71
4	MEMBERS 1ST	Exceptional	Strong	Strong	Strong	Exceptional	$1,390	+0.032%	286
5	Farmers and Merchants Trust Company of Chambersburg	Exceptional	Strong	Strong	Strong	Exceptional	$1,340	+0.001%	107
6	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,428	+0.271%	52
7	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$899	+0.015%	45
8	S&T Bank	Exceptional	Exceptional	Strong	Sound	Strong	$309	+0.046%	32
9	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$846	-0.105%	23
10	Mortgage America, Inc.	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,844	+0.114%	59
11	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,075	+0.033%	59
12	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,043	+0.405%	549
13	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,506	+0.192%	339
14	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Exceptional	$2,540	+0.117%	301
15	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,668	+0.435%	97
16	Manufacturers and Traders Trust Company	Strong	Sound	Exceptional	Strong	Strong	$504	+0.163%	66
17	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,293	+0.440%	47
18	Traditions Bank	Strong	Sound	Strong	Exceptional	Strong	$2,127	+0.260%	43
19	Citizens Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$1,765	-0.037%	20
20	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,427	+0.562%	229
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,669	+0.563%	225
22	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,175	+0.326%	214
23	Fulton Bank, National Association	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,878	+0.314%	127
24	Univest Bank and Trust Co.	Strong	Sound	Strong	Strong	Strong	$1,819	+0.095%	66
25	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Strong	$2,891	+0.262%	45
26	Filo Mortgage, L.L.C.	Strong	Strong	Strong	Sound	Sound	$623	+0.198%	32
27	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$3,457	+0.516%	20
28	Northwest Bank	Strong	Strong	Strong	Sound	Sound	$1,160	+0.158%	14
29	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,666	+0.381%	223
30	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,561	+0.076%	146
31	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,965	+0.432%	128
32	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,988	+0.356%	74
33	Orrstown Bank	Strong	Sound	Sound	Strong	Strong	$1,485	+0.247%	69
34	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,038	+0.393%	66
35	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$1,940	+0.978%	58
36	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,345	+0.539%	51
37	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,630	+0.118%	47
38	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,815	+0.458%	47
39	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,540	+0.238%	18
40	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,143	+0.411%	106
41	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,095	+0.298%	64
42	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,293	+0.485%	57
43	Homesale Mortgage, LLC	Strong	Acceptable	Strong	Strong	Strong	$1,906	+0.400%	56
44	RADIUS FINANCIAL GROUP INC.	Strong	Acceptable	Strong	Strong	Strong	$4,336	+0.549%	51
45	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$2,925	+0.346%	46
46	The Ephrata National Bank	Strong	Acceptable	Strong	Strong	Strong	$1,839	+0.327%	42
47	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,969	+0.109%	41
48	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,780	+0.505%	39
49	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,901	+0.559%	28
50	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$1,665	+0.247%	27

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.

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