Safe Rate Rankings

Best Conventional Mortgage Lenders in Harrisburg

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 Lenders82

Total Loans5,789

Median Rate Spread0.32%

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