# Best Conventional Mortgage Lenders in Harrisburg

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Harrisburg. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/harrisburg/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 82
- **Total Loans:** 5,789
- **Median Rate Spread:** 0.32064634146341464%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 89 | 82 | 73 | 224 | Credit Union |
| 2 | First National Bank of Pennsylvania | 89 | 63 | 77 | 182 | Bank |
| 3 | MEMBERS 1ST | 85 | 70 | 74 | 286 | Credit Union |
| 4 | Farmers and Merchants Trust Company of Chambersburg | 85 | 62 | 68 | 107 | Bank |
| 5 | Truist Bank | 85 | 71 | 69 | 52 | Bank |
| 6 | PNC Bank, National Association | 85 | 75 | 63 | 45 | Bank |
| 7 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 71 | Credit Union |
| 8 | Mortgage America, Inc. | 83 | 49 | 81 | 59 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 549 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 339 | Independent Mortgage Company |
| 11 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 97 | Independent Mortgage Company |
| 12 | Manufacturers and Traders Trust Company | 79 | 59 | 76 | 66 | Bank |
| 13 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 59 | Bank |
| 14 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 47 | Bank |
| 15 | Traditions Bank | 79 | 60 | 85 | 43 | Bank |
| 16 | S&T Bank | 79 | 87 | 58 | 32 | Bank |
| 17 | PENNYMAC LOAN SERVICES, LLC | 77 | 42 | 59 | 301 | Independent Mortgage Company |
| 18 | PROVIDENT FUNDING ASSOCIATES, L.P. | 77 | 83 | 55 | 23 | Independent Mortgage Company |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 229 | Independent Mortgage Company |
| 20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 225 | Independent Mortgage Company |
| 21 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 214 | Independent Mortgage Company |
| 22 | Fulton Bank, National Association | 75 | 39 | 63 | 127 | Bank |
| 23 | Univest Bank and Trust Co. | 74 | 53 | 63 | 66 | Bank |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 74 | 44 | 64 | 45 | Independent Mortgage Company |
| 25 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 20 | Independent Mortgage Company |
| 26 | Citizens Bank, National Association | 73 | 70 | 59 | 20 | Bank |
| 27 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 146 | Independent Mortgage Company |
| 28 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 128 | Independent Mortgage Company |
| 29 | FIRST COMMUNITY MORTGAGE, INC. | 71 | 31 | 79 | 74 | Independent Mortgage Company |
| 30 | EMM LOANS LLC | 71 | 28 | 78 | 66 | Independent Mortgage Company |
| 31 | LOWER, LLC | 71 | 33 | 66 | 51 | Independent Mortgage Company |
| 32 | HOWARD HANNA FINANCIAL SERVICES, INC. | 71 | 37 | 69 | 47 | Independent Mortgage Company |
| 33 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 47 | Independent Mortgage Company |
| 34 | NEW AMERICAN FUNDING, LLC | 70 | 26 | 60 | 223 | Independent Mortgage Company |
| 35 | V.I.P. MORTGAGE, INC. | 70 | 29 | 82 | 18 | Independent Mortgage Company |
| 36 | Orrstown Bank | 69 | 55 | 72 | 69 | Bank |
| 37 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 58 | Independent Mortgage Company |
| 38 | Filo Mortgage, L.L.C. | 69 | 74 | 45 | 32 | Independent Mortgage Company |
| 39 | Northwest Bank | 69 | 71 | 57 | 14 | Bank |
| 40 | TIDEWATER MORTGAGE SERVICES, INC. | 67 | 32 | 62 | 64 | Independent Mortgage Company |
| 41 | Homesale Mortgage, LLC | 67 | 33 | 69 | 56 | Independent Mortgage Company |
| 42 | RADIUS FINANCIAL GROUP INC. | 67 | 28 | 66 | 51 | Independent Mortgage Company |
| 43 | HOMESPIRE MORTGAGE CORPORATION | 67 | 25 | 67 | 46 | Independent Mortgage Company |
| 44 | The Ephrata National Bank | 67 | 32 | 75 | 42 | Bank |
| 45 | NATIONS DIRECT MORTGAGE, LLC | 67 | 40 | 66 | 41 | Independent Mortgage Company |
| 46 | GUARANTEED RATE AFFINITY, LLC | 66 | 32 | 54 | 106 | Independent Mortgage Company |
| 47 | NEWREZ LLC | 66 | 31 | 58 | 57 | Independent Mortgage Company |
| 48 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 39 | Independent Mortgage Company |
| 49 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 66 | 21 | 68 | 28 | Independent Mortgage Company |
| 50 | FIRST COLONY MORTGAGE CORPORATION | 66 | 38 | 77 | 27 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Harrisburg.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.