Safe Rate Rankings

Best FHA Mortgage Lenders in Philadelphia

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 Lenders163

Total Loans17,577

Median Rate Spread0.31%

Philadelphia Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked FHA lender in Philadelphia, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Philadelphia, Customers Bank and Wilmington Savings Fund Society FSB scores highest on FHA pricing while Nation One Mortgage and Customers Bank leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Philadelphia, 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 Philadelphia: Rocket Mortgage (#4) and Crosscountry Mortgage (#18).

Explore Rankings by Type

Overall Rankings

All lenders in Philadelphia

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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	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Sound*	Exceptional	Exceptional	Exceptional	$2,672Fees	0.275%Above	835
2	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,440Fees	0.356%Above	1,125
3	Customers Bank BankDirect	Strong	Exceptional	Strong	Exceptional	Strong	$846Fees	0.181%Below	78
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,937Fees	0.389%Above	1,404
5	Wilmington Savings Fund Society, FSB BankDirect	Strong	Exceptional	Strong	Sound	Exceptional	$1,104Credit	0.112%Below	458
6	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Strong	$1,650Fees	0.245%Above	226
7	MERIDIAN BANK BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,125Fees	0.031%Above	228
8	First Citizens Community Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$2,239Fees	0.018%Above	184
9	NATION ONE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Strong	Exceptional	Exceptional	Strong	—	—	48
10	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,160Fees	0.060%Above	1,097
11	Mortgage America, Inc. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Strong	Exceptional	$2,129Fees	0.008%Above	191
12	Univest Bank and Trust Co. BankDirect	Strong	Exceptional	Strong	Strong	Strong	$2,081Fees	0.011%Below	142
13	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,920Fees	0.339%Above	671
14	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,934Fees	0.316%Above	169
15	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$2,196Fees	0.435%Above	152
16	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$1,769Fees	0.361%Above	133
17	ALLIED MORTGAGE GROUP, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Exceptional	$2,385Fees	0.493%Above	278
18	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,902Fees	0.372%Above	1,558
19	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,084Fees	0.332%Above	290
20	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Sound	Exceptional	$400Fees	0.055%Above	263
21	NFM, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,856Fees	0.512%Above	102
22	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,117Fees	0.639%Above	52
23	GREENTREE MORTGAGE COMPANY, L.P. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,723Fees	0.392%Above	139
24	Advisors Mortgage Group, L.L.C. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Strong	Strong	$2,759Fees	0.358%Above	83
25	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,916Fees	0.438%Above	140
26	Firstrust Savings Bank BankDirect	Strong	Sound	Strong	Strong	Strong	$1,522Fees	0.420%Above	107
27	Fulton Bank, National Association BankDirect	Strong	Strong	Strong	Sound	Strong	$2,338Fees	0.287%Above	94
28	Quaint Oak Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,851Fees	0.275%Above	301
29	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,301Fees	0.237%Above	83
30	Truist Bank BankDirect	Strong	Strong	Strong	Sound	Sound	$1,214Credit	0.011%Below	54
31	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Sound	Strong	$1,909Fees	0.008%Below	301
32	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Sound	Strong	$120Credit	0.103%Above	103
33	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,439Fees	0.142%Above	59
34	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,963Fees	0.580%Above	49
35	Philadelphia Mortgage Advisors, Inc. Independent Mortgage CompanyDirect	Strong	Sound	Sound	Strong	Exceptional	$2,537Fees	0.018%Below	177
36	DAS Acquisition Company, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,849Fees	0.385%Above	144
37	FIRST HERITAGE FINANCIAL, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	—	Strong	Strong	Strong	$1,894Fees	0.518%Below	81
38	NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,862Fees	0.354%Above	79
39	Mid Penn Bank BankDirect	Strong	Strong	Sound	Sound	Strong	$1,102Fees	0.231%Above	79
40	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Sound	$2,726Fees	0.449%Above	38
41	TD Bank, National Association BankDirect	Strong	Strong	Strong	Sound	Strong	$480Credit	0.166%Above	192
42	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$2,117Fees	0.440%Above	49
43	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Sound	$1,819Fees	0.337%Above	63
44	Wells Fargo Bank, National Association BankDirect	Strong	Sound	Strong	Sound	Strong	$1,276Fees	0.026%Above	244
45	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,147Fees	0.481%Above	67
46	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,864Fees	0.668%Above	37
47	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Sound	Strong	$2,801Fees	0.531%Above	197
48	ABSOLUTE HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,926Fees	0.592%Above	113
49	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,040Fees	0.127%Above	85
50	SUCCESS MORTGAGE PARTNERS, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$3,786Fees	0.361%Above	85

❓ Frequently Asked Questions

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

Based on 2024 HMDA data, 163 lenders originated a combined 17,577 loans in Philadelphia, 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 Philadelphia, PA?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Philadelphia, PA is 0.31%. 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 Philadelphia, 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.