Safe Rate Rankings

Best Conventional Mortgage Lenders in Pennsylvania

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 Lenders395

Total Loans119,897

Median Rate Spread0.33%

Pennsylvania Market Insights

Marquette Savings Bank is Safe Rate's top-ranked Conventional lender in Pennsylvania, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Pennsylvania, 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 #5 in Pennsylvania, 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.
Rocket Mortgage ranks #4 in Pennsylvania, the nation's largest lender by volume.

Explore Rankings by Type

Overall Rankings

All lenders in Pennsylvania

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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	Marquette Savings Bank BankDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$450Fees	0.061%Above	454
2	PENNSYLVANIA STATE EMPLOYEES Credit Union Credit UnionDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$573Fees	0.101%Below	1,129
3	First National Bank of Pennsylvania BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$991Fees	0.211%Above	1,782
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,740Fees	0.432%Above	11,053
5	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$2,418Fees	0.260%Above	5,972
6	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$590Fees	0.411%Below	990
7	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Exceptional	$397Credit	0.091%Above	1,516
8	Traditions Bank BankDirect	Strong	Sound	Strong	Exceptional	Exceptional	$1,801Fees	0.196%Above	768
9	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$780Fees	0.471%Above	730
10	Wilmington Savings Fund Society, FSB BankDirect	Strong	Strong	Strong	Strong	Exceptional	$33Fees	0.100%Below	664
11	Mortgage America, Inc. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Exceptional	$2,261Fees	0.212%Above	1,597
12	First Commonwealth Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$957Fees	0.331%Above	789
13	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$789Fees	0.183%Above	533
14	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$738Fees	0.065%Above	343
15	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Exceptional	$1,215Fees	0.109%Above	1,338
16	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Exceptional	$1,311Fees	0.068%Below	854
17	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,608Fees	0.050%Below	627
18	MEMBERS 1ST Credit UnionDirect	Strong	Strong	Strong	Strong	Exceptional	$1,307Fees	0.045%Above	624
19	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Strong	$614Fees	0.247%Above	560
20	S&T Bank BankDirect	Strong	Exceptional	Strong	Sound	Exceptional	$83Credit	0.198%Above	537
21	First Columbia Bank & Trust Co. BankDirect	Strong	Strong	Strong	Exceptional	Strong	$778Fees	0.247%Below	309
22	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,827Fees	0.358%Above	3,389
23	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,134Fees	0.163%Above	1,223
24	POLICE & FIRE Credit UnionDirect	Strong	Exceptional	Strong	Sound	Exceptional	$239Fees	0.085%Above	511
25	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Exceptional	$1,967Fees	0.099%Above	1,350
26	SOMERSET TRUST COMPANY BankDirect	Strong	Strong	Strong	Strong	Strong	$600Fees	0.057%Below	280
27	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,755Fees	0.454%Above	6,270
28	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,120Fees	0.375%Above	2,047
29	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,959Fees	0.424%Above	1,211
30	Union Savings Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,151Fees	0.095%Above	387
31	The Fidelity Deposit and Discount Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,570Fees	0.247%Above	365
32	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,037Fees	0.094%Above	2,353
33	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,188Fees	0.323%Above	2,234
34	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,170Fees	0.325%Above	2,373
35	EQUITY RESOURCES, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$2,234Fees	0.299%Above	616
36	ESSA Bank & Trust BankDirect	Strong	Exceptional	Sound	Strong	Exceptional	$175Credit	0.247%Above	332
37	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Exceptional	$2,092Fees	0.203%Above	2,206
38	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$2,744Fees	0.491%Above	1,372
39	HOWARD HANNA FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,390Fees	0.252%Above	1,179
40	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,894Fees	0.399%Above	1,113
41	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,514Fees	0.430%Above	756
42	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	Exceptional	$2,335Fees	0.344%Above	578
43	Northwest Bank BankDirect	Strong	Strong	Strong	Sound	Strong	$1,037Fees	0.314%Above	358
44	Community Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$238Fees	0.812%Above	279
45	Fulton Bank, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,041Fees	0.309%Above	1,232
46	Univest Bank and Trust Co. BankDirect	Strong	Sound	Strong	Strong	Exceptional	$1,833Fees	0.173%Above	898
47	Dollar Bank, Federal Savings Bank BankDirect	Strong	Sound	Strong	Strong	Exceptional	$925Fees	0.215%Above	716
48	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,457Fees	0.438%Above	342
49	Farmers and Merchants Trust Company of Chambersburg BankDirect	Strong	Strong	Strong	Strong	Strong	$1,149Fees	0.136%Above	259
50	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,347Fees	0.344%Above	829

❓ Frequently Asked Questions

How are mortgage lenders ranked in Pennsylvania?+

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 Pennsylvania), 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 Pennsylvania?+

Based on 2024 HMDA data, 395 lenders originated a combined 119,897 loans in Pennsylvania. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

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

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Pennsylvania is 0.33%. 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 Pennsylvania'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.