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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 Conventional Mortgage Lenders in Lancaster

Updated February 5, 2026

Market Overview

Total Lenders

4,098

Total Loans

0.28%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PENNSYLVANIA STATE EMPLOYEES Credit Union	Exceptional	Exceptional	Strong	Strong	Strong	$582	-0.117%	80
2	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	-$928	+0.170%	58
3	First National Bank of Pennsylvania	Exceptional	Strong	Exceptional	Strong	Strong	$939	+0.143%	53
4	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$238	-0.439%	28
5	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,922	-0.118%	19
6	HOMESTEAD FUNDING CORP.	Exceptional	Strong	Exceptional	Exceptional	Sound	$2,812	+0.340%	11
7	MEMBERS 1ST	Exceptional	Strong	Strong	Strong	Strong	$1,217	+0.101%	75
8	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,950	+0.019%	53
9	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$910	+0.020%	34
10	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Sound	$2,022	+0.246%	24
11	S&T Bank	Exceptional	Exceptional	Strong	Sound	Sound	$770	-0.023%	15
12	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,427	+0.311%	368
13	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,143	+0.270%	71
14	Traditions Bank	Strong	Sound	Strong	Exceptional	Strong	$1,352	+0.205%	52
15	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,300	+0.028%	43
16	Citizens Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,020	+0.103%	27
17	Farmers and Merchants Trust Company of Chambersburg	Strong	Strong	Strong	Strong	Sound	$998	+0.140%	21
18	Mortgage America, Inc.	Strong	Sound	Exceptional	Exceptional	Sound	$2,375	+0.453%	15
19	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,979	+0.247%	523
20	Fulton Bank, National Association	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,478	+0.192%	285
21	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,891	+0.474%	161
22	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,671	+0.148%	150
23	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,821	+0.273%	104
24	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Strong	$2,682	+0.345%	66
25	MERIDIAN BANK	Strong	Sound	Strong	Strong	Strong	$3,406	+0.077%	47
26	Univest Bank and Trust Co.	Strong	Sound	Strong	Strong	Strong	$1,967	+0.606%	41
27	Manufacturers and Traders Trust Company	Strong	Sound	Exceptional	Strong	Sound	$379	+0.204%	33
28	Northwest Bank	Strong	Strong	Strong	Sound	Sound	$1,963	+0.119%	23
29	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$2,250	+0.027%	12
30	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,258	+0.702%	11
31	The Ephrata National Bank	Strong	Acceptable	Strong	Strong	Exceptional	$2,946	+0.173%	157
32	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,703	+0.323%	144
33	Homesale Mortgage, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$2,171	+0.447%	104
34	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,187	+0.313%	70
35	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,472	+0.233%	62
36	Orrstown Bank	Strong	Sound	Sound	Strong	Strong	$1,726	+0.273%	52
37	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,548	+0.211%	43
38	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,841	+0.525%	40
39	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,550	+0.497%	36
40	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,478	+0.250%	148
41	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,015	+0.289%	137
42	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,134	+0.357%	50
43	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,910	+0.650%	39
44	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$3,360	+0.280%	37
45	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$2,737	+0.136%	24
46	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,140	+0.214%	22
47	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,621	+0.210%	21
48	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,370	+0.155%	15
49	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$4,204	+0.472%	14
50	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$5,120	+0.684%	12

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.

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Lancaster, PAConventional

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