Safe Rate Rankings

Best Jumbo 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

Bank of America National Association is Safe Rate's top-ranked Jumbo lender in Pennsylvania, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Pennsylvania, Pennsylvania State Employees Credit Union and Bank of America National Association scores highest on Jumbo pricing while Bank of America National Association and Manufacturers and Traders Trust leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 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 #11 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	Bank of America, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,608Fees	0.050%Below	627
2	Wells Fargo Bank, National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$1,967Fees	0.099%Above	1,350
3	U.S. Bank National Association BankDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$738Fees	0.065%Above	343
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Strong	Exceptional	$2,418Fees	0.260%Above	5,972
5	PENNSYLVANIA STATE EMPLOYEES Credit Union Credit UnionDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$573Fees	0.101%Below	1,129
6	Manufacturers and Traders Trust Company BankDirect	Exceptional	Strong	Exceptional	Strong	Strong	$614Fees	0.247%Above	560
7	First National Bank of Pennsylvania BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$991Fees	0.211%Above	1,782
8	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Exceptional	$1,215Fees	0.109%Above	1,338
9	S&T Bank BankDirect	Strong	Exceptional	Strong	Strong	Exceptional	$83Credit	0.198%Above	537
10	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$789Fees	0.183%Above	533
11	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,740Fees	0.432%Above	11,053
12	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$590Fees	0.411%Below	990
13	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Strong	Exceptional	$3,037Fees	0.094%Above	2,353
14	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,755Fees	0.454%Above	6,270
15	Marquette Savings Bank BankDirect	Strong	Exceptional	—	Exceptional	Exceptional	$450Fees	0.061%Above	454
16	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$2,092Fees	0.203%Above	2,206
17	PNC Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$397Credit	0.091%Above	1,516
18	The Fidelity Deposit and Discount Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,570Fees	0.247%Above	365
19	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,827Fees	0.358%Above	3,389
20	Fulton Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,041Fees	0.309%Above	1,232
21	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,134Fees	0.163%Above	1,223
22	TD Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$545Fees	0.119%Above	504
23	ESSA Bank & Trust BankDirect	Strong	Exceptional	Strong	Strong	Exceptional	$175Credit	0.247%Above	332
24	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$3,120Fees	0.375%Above	2,047
25	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Sound	Exceptional	$3,329Fees	0.294%Above	1,062
26	The Huntington National Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$780Fees	0.471%Above	730
27	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,170Fees	0.325%Above	2,373
28	Dollar Bank, Federal Savings Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$925Fees	0.215%Above	716
29	Mortgage America, Inc. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Sound	Exceptional	$2,261Fees	0.212%Above	1,597
30	Univest Bank and Trust Co. BankDirect	Strong	Sound	Strong	Sound	Exceptional	$1,833Fees	0.173%Above	898
31	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,894Fees	0.399%Above	1,113
32	Farmers and Merchants Trust Company of Chambersburg BankDirect	Strong	Strong	Strong	Sound	Strong	$1,149Fees	0.136%Above	259
33	MortgageCountry, LLC Independent Mortgage CompanyDirect	Strong	—	Strong	Strong	Strong	—	—	252
34	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,032Fees	0.514%Above	1,464
35	Wilmington Savings Fund Society, FSB BankDirect	Strong	Mediocre	Strong	Strong	Exceptional	$33Fees	0.100%Below	664
36	Philadelphia Mortgage Advisors, Inc. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Exceptional	$3,051Fees	0.009%Above	344
37	AMERICAN HERITAGE FCU Credit UnionDirect	Strong	—	—	Strong	Strong	$454Fees	0.016%Above	315
38	Mid Penn Bank BankDirect	Strong	Strong	—	Sound	Strong	$1,162Fees	0.152%Above	289
39	HOWARD HANNA FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Sound	Exceptional	$2,390Fees	0.252%Above	1,179
40	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Mediocre*	Exceptional	Sound	Strong	$2,514Fees	0.430%Above	756
41	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Sound	Mediocre*	Strong	Sound	Exceptional	$2,347Fees	0.344%Above	829
42	The Ephrata National Bank BankDirect	Sound	Acceptable	Strong	Sound	Exceptional	$2,834Fees	0.256%Above	372
43	MERIDIAN BANK BankDirect	Sound	Sound	Sound	Acceptable	Exceptional	$2,346Fees	0.100%Above	545

❓ 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.