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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 Mortgage Lenders in Lancaster
Updated February 5, 2026
Market Overview
70
Total Lenders
4,098
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | $582 | -0.117% | 80 | |
2 | Traditions Bank | Exceptional | Strong | Exceptional | Strong | $1,352 | +0.205% | 52 | |
3 | MEMBERS 1ST | Strong | Strong | Strong | Strong | $1,217 | +0.101% | 75 | |
4 | Truist Bank | Strong | Strong | Strong | Strong | -$928 | +0.170% | 58 | |
5 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $238 | -0.439% | 28 | |
6 | Fulton Bank, National Association | Strong | Sound | Strong | Exceptional | $2,478 | +0.192% | 285 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,671 | +0.148% | 150 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,950 | +0.019% | 53 | |
9 | MERIDIAN BANK | Strong | Sound | Exceptional | Strong | $3,406 | +0.077% | 47 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $910 | +0.020% | 34 | |
11 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $379 | +0.204% | 33 | |
12 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $2,020 | +0.103% | 27 | |
13 | The Huntington National Bank | Strong | Strong | Strong | Sound | $2,022 | +0.246% | 24 | |
14 | Northwest Bank | Strong | Strong | Strong | Sound | $1,963 | +0.119% | 23 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,979 | +0.247% | 523 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,427 | +0.311% | 368 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,821 | +0.273% | 104 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,143 | +0.270% | 71 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,472 | +0.233% | 62 | |
20 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $939 | +0.143% | 53 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,702 | +0.428% | 45 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,300 | +0.028% | 43 | |
23 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | $1,967 | +0.606% | 41 | |
24 | Farmers and Merchants Trust Company of Chambersburg | Strong | Strong | Sound | Sound | $998 | +0.140% | 21 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,891 | +0.474% | 161 | |
26 | The Ephrata National Bank | Strong | Acceptable | Strong | Exceptional | $2,946 | +0.173% | 157 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,703 | +0.323% | 144 | |
28 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,171 | +0.447% | 104 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,187 | +0.313% | 70 | |
30 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $2,682 | +0.345% | 66 | |
31 | Orrstown Bank | Strong | Sound | Sound | Strong | $1,726 | +0.273% | 52 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,548 | +0.211% | 43 | |
33 | MDE HOME LOANS, LLC | Strong | Sound | Sound | Strong | $1,740 | +0.259% | 39 | |
34 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $4,134 | +0.357% | 50 | |
35 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $3,841 | +0.525% | 40 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,360 | +0.280% | 37 | |
37 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Sound | $1,550 | +0.497% | 36 | |
38 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $4,915 | +0.881% | 20 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,478 | +0.250% | 148 | |
40 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,015 | +0.289% | 137 | |
41 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $2,410 | +0.578% | 40 | |
42 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,910 | +0.650% | 39 | |
43 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $2,737 | +0.136% | 24 | |
44 | HOWARD HANNA FINANCIAL SERVICES, INC. | Sound | Acceptable | Strong | Sound | $3,140 | +0.214% | 22 | |
45 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,621 | +0.210% | 21 | |
46 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $5,697 | +0.530% | 21 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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