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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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,506 | +0.192% | 339 | |
2 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,540 | +0.117% | 301 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $450 | -0.352% | 71 | |
4 | First National Bank of Pennsylvania | Exceptional | Strong | Strong | Strong | Exceptional | $1,167 | +0.020% | 182 | |
5 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $4,143 | +0.411% | 106 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,940 | +0.978% | 58 | |
7 | MEMBERS 1ST | Exceptional | Strong | Sound | Strong | Exceptional | $1,390 | +0.032% | 286 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,561 | +0.076% | 146 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,965 | +0.432% | 128 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,043 | +0.405% | 549 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,669 | +0.563% | 225 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,668 | +0.435% | 97 | |
13 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,258 | -0.184% | 33 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,427 | +0.562% | 229 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,175 | +0.326% | 214 | |
16 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $434 | +0.510% | 120 | |
17 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,038 | +0.393% | 66 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,815 | +0.458% | 47 | |
19 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,969 | +0.109% | 41 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,666 | +0.381% | 223 | |
21 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,072 | +1.092% | 20 |
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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