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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 FHA Mortgage Lenders in Harrisburg
Updated February 5, 2026
Market Overview
82
Total Lenders
5,789
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Univest Bank and Trust Co. | Exceptional | Exceptional | Strong | Strong | Strong | $1,819 | +0.095% | 66 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,506 | +0.192% | 339 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,540 | +0.117% | 301 | |
4 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $504 | +0.163% | 66 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,940 | +0.978% | 58 | |
6 | MEMBERS 1ST | Exceptional | Strong | Sound | Strong | Exceptional | $1,390 | +0.032% | 286 | |
7 | Mortgage America, Inc. | Exceptional | Strong | Strong | Strong | Strong | $1,844 | +0.114% | 59 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,043 | +0.405% | 549 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,669 | +0.563% | 225 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,668 | +0.435% | 97 | |
11 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $4,038 | +0.393% | 66 | |
12 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,969 | +0.109% | 41 | |
13 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,881 | +0.076% | 17 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,175 | +0.326% | 214 | |
15 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,988 | +0.356% | 74 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,293 | +0.485% | 57 | |
17 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $3,630 | +0.118% | 47 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,561 | +0.076% | 146 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,965 | +0.432% | 128 | |
20 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,143 | +0.411% | 106 | |
21 | Orrstown Bank | Strong | Sound | Sound | Strong | Strong | $1,485 | +0.247% | 69 | |
22 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,345 | +0.539% | 51 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,780 | +0.505% | 39 | |
24 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,540 | +0.238% | 18 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,427 | +0.562% | 229 | |
26 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,095 | +0.298% | 64 | |
27 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,906 | +0.400% | 56 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,457 | +0.516% | 20 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,955 | +0.892% | 15 | |
30 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,666 | +0.381% | 223 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,815 | +0.458% | 47 | |
32 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,325 | +0.554% | 16 | |
33 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $5,102 | +0.845% | 16 | |
34 | RADIUS FINANCIAL GROUP INC. | Sound | Mediocre | Strong | Strong | Strong | $4,336 | +0.549% | 51 | |
35 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,901 | +0.559% | 28 | |
36 | FIRST ALLIANCE HOME MORTGAGE, LLC | Sound | Mediocre | Strong | 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 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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