Safe Rate Rankings

Best Conventional Mortgage Lenders in Lancaster

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 Lenders70

Total Loans4,098

Median Rate Spread0.28%

Lancaster Market Insights

Rocket Mortgage is Safe Rate's top-ranked Conventional lender in Lancaster, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Lancaster, Navy Federal Credit Union and Pennsylvania State Employees Credit Union 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 #3 in Lancaster, 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 Lancaster: Rocket Mortgage (#1) and Guild Mortgage Company (#4).

Explore Rankings by Type

Overall Rankings

All lenders in Lancaster

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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	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,427Fees	0.311%Above	368
2	PENNSYLVANIA STATE EMPLOYEES Credit Union Credit UnionDirect	Strong	Exceptional	Strong	Strong	Strong	$582Fees	0.117%Below	80
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,671Fees	0.148%Above	150
4	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,979Fees	0.247%Above	523
5	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$928Credit	0.170%Above	58
6	MEMBERS 1ST Credit UnionDirect	Strong	Strong	Strong	Strong	Strong	$1,217Fees	0.101%Above	75
7	First National Bank of Pennsylvania BankDirect	Strong	Strong	Exceptional	Strong	Strong	$939Fees	0.143%Above	53
8	Traditions Bank BankDirect	Strong	Sound	Strong	Exceptional	Strong	$1,352Fees	0.205%Above	52
9	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$238Fees	0.439%Below	28
10	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$910Fees	0.020%Above	34
11	HOMESTEAD FUNDING CORP. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Exceptional	Sound	$2,812Fees	0.340%Above	11
12	Fulton Bank, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,478Fees	0.192%Above	285
13	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,300Fees	0.028%Above	43
14	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Sound	$379Fees	0.204%Above	33
15	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Sound	$2,022Fees	0.246%Above	24
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,703Fees	0.323%Above	144
17	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,143Fees	0.270%Above	71
18	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,891Fees	0.474%Above	161
19	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$1,950Fees	0.019%Above	53
20	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$1,922Fees	0.118%Below	19
21	The Ephrata National Bank BankDirect	Strong	Acceptable	Strong	Strong	Exceptional	$2,946Fees	0.173%Above	157
22	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,187Fees	0.313%Above	70
23	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$2,020Fees	0.103%Above	27
24	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,821Fees	0.273%Above	104
25	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,472Fees	0.233%Above	62
26	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,548Fees	0.211%Above	43
27	S&T Bank BankDirect	Strong	Exceptional	Strong	Sound	Sound	$770Fees	0.023%Below	15
28	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$3,015Fees	0.289%Above	137
29	Orrstown Bank BankDirect	Strong	Sound	Sound	Strong	Strong	$1,726Fees	0.273%Above	52
30	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,478Fees	0.250%Above	148
31	AMERIHOME MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	Strong	$2,682Fees	0.345%Above	66
32	MERIDIAN BANK BankDirect	Strong	Sound	Strong	Strong	Strong	$3,406Fees	0.077%Above	47
33	Alcova Mortgage LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,550Fees	0.497%Above	36
34	Mortgage America, Inc. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Sound	$2,375Fees	0.453%Above	15
35	NBKC BANK BankDirect	Strong	Exceptional	Strong	Sound	Acceptable	$13Fees	0.157%Below	10
36	Homesale Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	Exceptional	$2,171Fees	0.447%Above	104
37	Univest Bank and Trust Co. BankDirect	Strong	Sound	Strong	Strong	Strong	$1,967Fees	0.606%Above	41
38	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,841Fees	0.525%Above	40
39	Northwest Bank BankDirect	Strong	Strong	Strong	Sound	Sound	$1,963Fees	0.119%Above	23
40	Farmers and Merchants Trust Company of Chambersburg BankDirect	Strong	Strong	Strong	Strong	Sound	$998Fees	0.140%Above	21
41	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,360Fees	0.280%Above	37
42	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$4,204Fees	0.472%Above	14
43	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,737Fees	0.136%Above	24
44	HOWARD HANNA FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,140Fees	0.214%Above	22
45	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Strong	Strong	Sound	Sound	$2,250Fees	0.027%Above	12
46	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$4,910Fees	0.650%Above	39
47	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$2,621Fees	0.210%Above	21
48	NFM, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$4,915Fees	0.881%Above	20
49	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Strong	$4,134Fees	0.357%Above	50
50	Horizon Farm Credit, ACA Independent Mortgage CompanyDirect	Sound	—	Sound	Sound	Strong	—	—	36

❓ Frequently Asked Questions

How are mortgage lenders ranked in Lancaster, 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 Lancaster, 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 Lancaster, PA?+

Based on 2024 HMDA data, 70 lenders originated a combined 4,098 loans in Lancaster, 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 Lancaster, PA?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Lancaster, PA is 0.28%. 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 Lancaster, 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.