Safe Rate Rankings

Best Conventional Mortgage Lenders in Allentown

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders116

Total Loans8,572

Median Rate Spread0.37%

Allentown Market Insights

Rocket Mortgage is Safe Rate's top-ranked Conventional lender in Allentown, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Allentown, Navy Federal Credit Union and Embassy Bank for the Lehigh Valley scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #2 in Allentown, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Allentown: Rocket Mortgage (#1) and Crosscountry Mortgage (#8).

Explore Rankings by Type

Overall Rankings

All lenders in Allentown

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,217Fees	0.438%Above	788
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,070Fees	0.188%Above	543
3	Mortgage America, Inc. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Exceptional	$2,135Fees	0.251%Above	309
4	Embassy Bank For The Lehigh Valley BankDirect	Strong	Exceptional	Sound	Strong	Exceptional	$658Fees	0.117%Below	172
5	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$48Credit	0.113%Above	82
6	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$452Fees	0.141%Above	75
7	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$946Fees	0.306%Below	58
8	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,734Fees	0.566%Above	785
9	PENNSYLVANIA STATE EMPLOYEES Credit Union Credit UnionDirect	Strong	Exceptional	Strong	Strong	Strong	$570Fees	0.111%Below	36
10	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,652Fees	0.555%Above	239
11	The Fidelity Deposit and Discount Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$1,536Fees	0.327%Above	95
12	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,944Fees	0.257%Above	93
13	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,866Fees	0.093%Below	53
14	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,865Fees	0.496%Above	231
15	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,153Fees	0.097%Above	144
16	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,609Fees	0.100%Above	30
17	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,598Fees	0.284%Above	299
18	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,887Fees	0.347%Above	125
19	ESSA Bank & Trust BankDirect	Strong	Exceptional	Sound	Strong	Strong	$179Fees	0.226%Above	86
20	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$810Fees	0.030%Below	40
21	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,540Fees	0.344%Above	216
22	NJ LENDERS CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Sound	$2,065Fees	0.120%Above	33
23	KeyBank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,623Fees	0.028%Below	31
24	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Exceptional	$2,657Fees	0.428%Above	310
25	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,828Fees	0.342%Above	108
26	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Sound	$303Fees	0.240%Above	19
27	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$1,966Fees	0.355%Above	128
28	First Commonwealth Federal Credit Union Credit UnionDirect	Strong	Strong	Sound	Strong	Exceptional	$862Fees	0.140%Above	108
29	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	Strong	$2,478Fees	0.454%Above	60
30	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$1,461Fees	0.198%Above	21
31	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,370Fees	0.408%Above	107
32	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,175Fees	0.521%Above	90
33	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,429Fees	0.387%Above	54
34	Community Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Sound	$7Fees	0.980%Above	34
35	Ixonia Bank BankDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,457Fees	0.604%Above	165
36	Fulton Bank, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,690Fees	0.356%Above	84
37	Univest Bank and Trust Co. BankDirect	Strong	Sound	Strong	Strong	Strong	$1,451Fees	0.265%Above	74
38	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,577Fees	0.522%Above	41
39	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,934Fees	0.474%Above	64
40	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,492Fees	0.229%Above	34
41	Advisors Mortgage Group, L.L.C. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Sound	$2,700Fees	0.494%Above	19
42	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,136Fees	0.307%Above	19
43	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,345Fees	0.678%Above	86
44	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$2,068Fees	0.201%Below	25
45	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,359Fees	0.552%Above	21
46	Quaint Oak Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$3,227Fees	0.456%Above	68
47	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Strong	Strong	$3,125Fees	0.476%Above	60
48	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Sound	$1,955Fees	0.676%Above	31
49	Firstrust Savings Bank BankDirect	Strong	Sound	Sound	Sound	Exceptional	$2,240Fees	0.431%Above	102
50	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,250Fees	0.234%Above	79

❓ Frequently Asked Questions

How are mortgage lenders ranked in Allentown?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Allentown), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Allentown?+

Based on 2024 HMDA data, 116 lenders originated a combined 8,572 loans in Allentown. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Allentown?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Allentown is 0.37%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Allentown's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.