Safe Rate Rankings

Best Conventional Mortgage Lenders in Reading

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 Lenders67

Total Loans3,730

Median Rate Spread0.36%

Reading Market Insights

Customers Bank is Safe Rate's top-ranked Conventional lender in Reading, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Reading, Navy Federal Credit Union and Customers 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 #4 in Reading, 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 Reading: Rocket Mortgage (#3) and Mortgage America (#2).

Explore Rankings by Type

Overall Rankings

All lenders in Reading

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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	Customers Bank BankDirect	Exceptional	Exceptional	Sound	Exceptional	Exceptional	$655Fees	0.036%Above	130
2	Mortgage America, Inc. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Exceptional	$2,974Fees	0.272%Above	350
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$4,033Fees	0.435%Above	350
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,236Fees	0.200%Above	185
5	Tompkins Community Bank BankDirect	Strong	Exceptional	Strong	Exceptional	Sound	$972Fees	0.045%Below	26
6	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,998Fees	0.239%Above	62
7	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,780Fees	0.390%Above	225
8	First National Bank of Pennsylvania BankDirect	Strong	Strong	Exceptional	Strong	Sound	$924Fees	0.193%Above	37
9	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$823Fees	0.353%Below	23
10	PENNSYLVANIA STATE EMPLOYEES Credit Union Credit UnionDirect	Strong	Exceptional	Strong	Strong	Sound	$536Fees	0.111%Below	22
11	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,100Fees	0.602%Above	297
12	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,521Fees	0.502%Above	96
13	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Sound	$225Fees	0.300%Above	25
14	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,152Fees	0.189%Above	57
15	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,048Fees	0.283%Above	28
16	Univest Bank and Trust Co. BankDirect	Strong	Sound	Strong	Strong	Exceptional	$2,337Fees	0.127%Above	114
17	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,406Fees	0.437%Above	101
18	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,790Fees	0.570%Above	52
19	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$795Fees	0.106%Above	12
20	Fulton Bank, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$1,449Fees	0.459%Above	118
21	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,816Fees	0.389%Above	61
22	MEMBERS 1ST Credit UnionDirect	Strong	Strong	Strong	Strong	Sound	$718Fees	0.007%Below	14
23	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,326Fees	0.054%Below	11
24	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$1,909Fees	0.180%Above	11
25	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,557Fees	0.245%Above	81
26	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$89Credit	0.180%Above	17
27	KeyBank National Association BankDirect	Strong	Strong	Exceptional	Strong	Acceptable	$2,186Fees	0.256%Above	10
28	AMERIHOME MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	Strong	$3,494Fees	0.370%Above	57
29	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,420Fees	0.556%Above	77
30	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,026Fees	0.344%Above	40
31	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,412Fees	0.402%Above	39
32	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,210Fees	0.588%Above	33
33	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,275Fees	0.329%Above	27
34	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,176Fees	0.412%Above	23
35	FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$2,667Fees	0.173%Above	15
36	CONTOUR MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,021Fees	0.705%Above	66
37	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$2,779Fees	0.439%Above	46
38	KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Strong	Sound	$2,876Fees	0.490%Above	18
39	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,747Fees	0.496%Above	17
40	Diamond Credit Union Credit UnionDirect	Strong	Sound	Sound	Sound	Exceptional	$752Fees	0.211%Above	72
41	First Commonwealth Federal Credit Union Credit UnionDirect	Strong	Strong	Sound	Strong	Strong	$652Fees	0.128%Above	27
42	Homesale Mortgage, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Strong	$1,827Fees	0.553%Above	50
43	The Ephrata National Bank BankDirect	Sound	Acceptable	Strong	Strong	Strong	$2,974Fees	0.362%Above	34
44	EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$3,675Fees	0.454%Above	18
45	RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect	Sound	—	Strong	Strong	Sound	—	—	14
46	Northpointe Bank BankDirect	Sound	Sound	Exceptional	Strong	Sound	$3,197Fees	0.507%Above	12
47	NFM, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Sound	$4,324Fees	0.389%Above	20
48	Gateway First Bank BankDirect	Sound	Acceptable	Exceptional	Strong	Sound	$2,274Fees	0.424%Above	11
49	GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Strong	$3,425Fees	0.399%Above	49
50	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Strong	$2,149Fees	0.130%Above	43

❓ Frequently Asked Questions

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

Based on 2024 HMDA data, 67 lenders originated a combined 3,730 loans in Reading, 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 Reading, PA?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Reading, PA is 0.36%. 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 Reading, 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.