Safe Rate Rankings

Best Conventional Mortgage Lenders in Erie

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 Lenders35

Total Loans1,935

Median Rate Spread0.34%

Erie Market Insights

Marquette Savings Bank is Safe Rate's top-ranked Conventional lender in Erie, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Erie, Navy Federal Credit Union and Marquette Savings Bank 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 Erie, 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 Erie: Rocket Mortgage (#3) and Marquette Savings Bank (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Erie

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Marquette Savings Bank BankDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$432Fees	0.056%Above	318
2	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,055Fees	0.417%Above	252
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,286Fees	0.618%Above	202
4	First National Bank of Pennsylvania BankDirect	Strong	Strong	Exceptional	Strong	Strong	$864Fees	0.272%Above	56
5	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$220Fees	0.296%Above	35
6	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$5Credit	0.388%Below	17
7	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,473Fees	0.470%Above	107
8	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,502Fees	0.424%Above	15
9	PENNSYLVANIA STATE EMPLOYEES Credit Union Credit UnionDirect	Strong	Exceptional	Strong	Strong	Sound	$479Fees	0.125%Above	12
10	EQUITY RESOURCES, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$2,487Fees	0.314%Above	87
11	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$854Fees	0.209%Above	19
12	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$1,074Fees	0.532%Above	60
13	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,759Fees	0.414%Above	45
14	Northwest Bank BankDirect	Strong	Strong	Strong	Sound	Strong	$674Fees	0.342%Above	42
15	KeyBank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,098Fees	0.116%Above	12
16	HOWARD HANNA FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,702Fees	0.289%Above	66
17	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Acceptable	$1,254Fees	0.155%Below	10
18	FIRST HERITAGE FINANCIAL, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	—	Sound	Strong	Strong	$1,295Fees	0.935%Above	58
19	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,408Fees	0.481%Above	54
20	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,667Fees	0.453%Above	49
21	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$4,152Fees	0.670%Above	16
22	CNB Bank BankDirect	Strong	Strong	Strong	Sound	Sound	$550Fees	0.454%Below	25
23	Widget Federal Credit Union Credit UnionDirect	Strong	Exceptional	Acceptable	Sound	Strong	$676Fees	0.107%Below	39
24	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,996Fees	0.736%Above	11
25	AFFORDABLE MORTGAGE ADVISORS, LLC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Strong	$1,753Fees	0.714%Above	53
26	RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect	Sound	—	Strong	Strong	Sound	—	—	15
27	Ixonia Bank BankDirect	Sound	Mediocre	Exceptional	Strong	Sound	$2,427Fees	0.745%Above	36
28	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$1,458Fees	0.722%Above	17
29	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$3,027Fees	0.433%Above	19
30	ERIE FEDERAL CREDIT UNION Credit UnionDirect & Wholesale	Sound	Acceptable*	Sound	Sound	Strong	$0Fees	0.343%Above	57
31	USAA Federal Savings Bank BankDirect	Sound	Sound	Strong	Acceptable	Sound	$1,867Fees	0.119%Below	17

❓ Frequently Asked Questions

How are mortgage lenders ranked in Erie, PA?+

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 Erie, PA), 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 Erie, PA?+

Based on 2024 HMDA data, 35 lenders originated a combined 1,935 loans in Erie, PA. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Erie, PA?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Erie, PA is 0.34%. 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 Erie, PA'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.