🛡️
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 Company Lenders in Lancaster
Updated February 5, 2026
Market Overview
28
Total Lenders
2,807
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,671 | +0.148% | 150 | |
2 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,979 | +0.247% | 523 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,427 | +0.311% | 368 | |
4 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,821 | +0.273% | 104 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,143 | +0.270% | 71 | |
6 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,472 | +0.233% | 62 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,702 | +0.428% | 45 | |
8 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,891 | +0.474% | 161 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,703 | +0.323% | 144 | |
10 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,171 | +0.447% | 104 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,187 | +0.313% | 70 | |
12 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $2,682 | +0.345% | 66 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,548 | +0.211% | 43 | |
14 | MDE HOME LOANS, LLC | Strong | Sound | Sound | Strong | $1,740 | +0.259% | 39 | |
15 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $4,134 | +0.357% | 50 | |
16 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $3,841 | +0.525% | 40 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,360 | +0.280% | 37 | |
18 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Sound | $1,550 | +0.497% | 36 | |
19 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $4,915 | +0.881% | 20 | |
20 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,478 | +0.250% | 148 | |
21 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,015 | +0.289% | 137 | |
22 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $2,410 | +0.578% | 40 | |
23 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,910 | +0.650% | 39 | |
24 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $2,737 | +0.136% | 24 | |
25 | HOWARD HANNA FINANCIAL SERVICES, INC. | Sound | Acceptable | Strong | Sound | $3,140 | +0.214% | 22 | |
26 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,621 | +0.210% | 21 | |
27 | 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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Lancaster, PA
No credit impact
3-minute process
100% free