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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 Conventional Mortgage Company Lenders in Lancaster
Updated February 5, 2026
Market Overview
37
Total Lenders
4,098
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,922 | -0.118% | 19 | |
2 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,812 | +0.340% | 11 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427 | +0.311% | 368 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,143 | +0.270% | 71 | |
5 | Mortgage America, Inc. | Strong | Sound | Exceptional | Exceptional | Sound | $2,375 | +0.453% | 15 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,979 | +0.247% | 523 | |
7 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,891 | +0.474% | 161 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,671 | +0.148% | 150 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,821 | +0.273% | 104 | |
10 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $2,682 | +0.345% | 66 | |
11 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,250 | +0.027% | 12 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,258 | +0.702% | 11 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,703 | +0.323% | 144 | |
14 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,171 | +0.447% | 104 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,187 | +0.313% | 70 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.233% | 62 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,548 | +0.211% | 43 | |
18 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,841 | +0.525% | 40 | |
19 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,550 | +0.497% | 36 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,478 | +0.250% | 148 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,015 | +0.289% | 137 | |
22 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,134 | +0.357% | 50 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,910 | +0.650% | 39 | |
24 | MDE HOME LOANS, LLC | Strong | Sound | Sound | Sound | Strong | $1,740 | +0.259% | 39 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,360 | +0.280% | 37 | |
26 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,737 | +0.136% | 24 | |
27 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,140 | +0.214% | 22 | |
28 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,621 | +0.210% | 21 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,370 | +0.155% | 15 | |
30 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,120 | +0.684% | 12 | |
31 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Sound | $4,720 | +0.589% | 17 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,697 | +0.530% | 21 | |
33 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,915 | +0.881% | 20 | |
34 | FIRST ALLIANCE HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Sound | $4,337 | +0.495% | 12 | |
35 | PRINCETON MORTGAGE CORPORATION | Sound | Acceptable | Sound | Acceptable | Sound | $3,551 | +0.401% | 10 | |
36 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Acceptable | $4,478 | +0.521% | 10 |
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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