Safe Rate Rankings

Best Mortgage Companie 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

United Wholesale Mortgage is Safe Rate's top-ranked mortgage company in Allentown, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Allentown, Nj Lenders and Mortgage America scores highest on 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 #1 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 (#3) and Crosscountry Mortgage (#9).

Explore Rankings by Type

Overall Rankings

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By Loan Product

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$3,070Fees	0.188%Above	543
2	Mortgage America, Inc. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	$2,135Fees	0.251%Above	309
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,217Fees	0.438%Above	788
4	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$2,598Fees	0.284%Above	299
5	NJ LENDERS CORP. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	$2,065Fees	0.120%Above	33
6	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,652Fees	0.555%Above	239
7	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$2,865Fees	0.496%Above	231
8	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,887Fees	0.347%Above	125
9	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$3,734Fees	0.566%Above	785
10	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	$2,478Fees	0.454%Above	60
11	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Sound	$810Fees	0.030%Below	40
12	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,966Fees	0.355%Above	128
13	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,365Fees	0.323%Above	91
14	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,540Fees	0.344%Above	216
15	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$3,125Fees	0.476%Above	60
16	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$3,370Fees	0.408%Above	107
17	Quaint Oak Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$3,227Fees	0.456%Above	68
18	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Sound	Exceptional	$2,657Fees	0.428%Above	310
19	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$2,828Fees	0.342%Above	108
20	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	$2,934Fees	0.474%Above	64
21	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$2,769Fees	0.328%Above	101
22	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	$3,175Fees	0.521%Above	90
23	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	$2,429Fees	0.387%Above	54
24	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$2,492Fees	0.229%Above	34
25	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$4,250Fees	0.234%Above	79
26	EMBRACE HOME LOANS, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$2,913Fees	0.332%Above	40
27	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$1,905Fees	0.539%Above	28
28	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Sound	Sound	$2,068Fees	0.201%Below	25
29	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$2,852Fees	0.698%Above	68
30	NFM, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$3,985Fees	0.515%Above	28
31	ABSOLUTE HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$3,428Fees	0.562%Above	84
32	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$3,151Fees	0.581%Above	48
33	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$1,955Fees	0.676%Above	31
34	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$5,074Fees	0.224%Above	37
35	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$3,359Fees	0.552%Above	21
36	GoodLeap, LLC Independent Mortgage CompanyDirect	Sound	Sound	Sound	Sound	$4,632Fees	0.172%Below	20
37	MILLENIUM HOME MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$3,824Fees	0.254%Above	21
38	MORTGAGE ACCESS CORP. Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Strong	$3,708Fees	0.450%Above	86
39	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Strong	$3,345Fees	0.678%Above	86
40	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$2,496Fees	0.355%Above	35
41	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$3,263Fees	0.409%Above	20
42	Northeast Equitable Mortgage, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Strong	$3,361Fees	0.490%Above	29
43	SUN WEST MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$4,317Fees	0.264%Above	21
44	AMERICAN FINANCIAL RESOURCES, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Sound	Sound	$3,714Fees	0.749%Above	25
45	UNITED MORTGAGE CORP. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	$4,574Fees	0.807%Above	23
46	Equity Prime Mortgage LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$2,307Fees	0.615%Above	20
47	RESIDENTIAL HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Strong	$3,919Fees	0.494%Above	37
48	CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Sound	$5,336Fees	0.550%Above	29
49	AMERISAVE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Acceptable	Mediocre	Acceptable	Sound	$3,245Fees	1.139%Above	22

❓ 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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

⚖️ 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.