Safe Rate Rankings

Best Mortgage Lenders in Scranton

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 Lenders71

Total Loans4,640

Median Rate Spread0.47%

Scranton Market Insights

The Fidelity Deposit and Discount Bank is Safe Rate's top-ranked lender in Scranton, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Scranton: Bank: The Fidelity Deposit and Discount Bank (#1). Credit union: Pennsylvania State Employees Credit Union (#4). Mortgage company: Rocket Mortgage (#3).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Scranton, Navy Federal Credit Union and Peoples Security Bank and Trust scores highest on 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 Scranton, 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 #3 in Scranton, the nation's largest lender by volume.

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Fidelity Deposit and Discount Bank BankDirect	Strong	Strong	Strong	Exceptional	$1,593Fees	0.232%Above	206
2	NBT Bank, National Association BankDirect	Strong	Exceptional	Strong	Strong	$913Fees	0.190%Below	67
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$3,382Fees	0.533%Above	751
4	PENNSYLVANIA STATE EMPLOYEES Credit Union Credit UnionDirect	Strong	Exceptional	Strong	Strong	$778Fees	0.062%Below	37
5	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	$2,481Fees	0.511%Above	187
6	ESSA Bank & Trust BankDirect	Strong	Exceptional	Strong	Strong	$670Fees	0.324%Above	58
7	Peoples Security Bank and Trust Company BankDirect	Strong	Exceptional	Sound	Strong	$1,188Fees	0.405%Below	58
8	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$413Fees	0.392%Below	46
9	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Exceptional	$3,140Fees	0.518%Above	173
10	Community Bank, National Association BankDirect	Strong	Sound	Strong	Exceptional	$375Fees	0.738%Above	186
11	Manufacturers and Traders Trust Company BankDirect	Strong	Strong	Strong	Strong	$1,058Fees	0.346%Above	57
12	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	$3,179Fees	0.414%Above	280
13	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,988Fees	0.388%Above	111
14	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$309Credit	0.210%Above	55
15	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Strong	Exceptional	$2,048Fees	0.684%Above	170
16	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Strong	$2,072Fees	0.191%Above	67
17	Citizens Bank, National Association BankDirect	Strong	Strong	Strong	Sound	$1,494Fees	0.299%Above	40
18	First National Bank of Pennsylvania BankDirect	Strong	Sound	Strong	Sound	$637Fees	0.253%Above	38
19	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$1,487Fees	0.265%Above	79
20	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,359Fees	0.568%Above	51
21	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,184Fees	0.562%Above	51
22	Ixonia Bank BankDirect	Strong	Mediocre	Strong	Exceptional	$2,582Fees	0.427%Above	204
23	The Honesdale National Bank BankDirect	Strong	Sound	Sound	Strong	$1,923Fees	0.031%Above	44
24	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Exceptional	$3,436Fees	0.725%Above	216
25	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$1,107Fees	0.780%Above	127
26	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$3,802Fees	0.475%Above	47
27	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Sound	Sound*	Strong	Sound	$2,607Fees	0.621%Above	42
28	FIRST HERITAGE FINANCIAL, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	—	Strong	Strong	—	—	36
29	Alcova Mortgage LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$2,655Fees	0.780%Above	32
30	CHOICE ONE COMMUNITY FEDERAL CREDIT UNION Credit UnionDirect	Sound	—	Sound	Strong	—	—	52
31	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$3,072Fees	0.514%Above	35
32	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$1,152Fees	0.568%Above	24
33	AMERANT MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	$2,707Fees	0.450%Above	21
34	UNITED MORTGAGE CORP. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Exceptional	$3,392Fees	1.225%Above	121
35	MICHIGAN MUTUAL, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$1,440Fees	0.488%Above	40
36	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$2,813Fees	0.377%Above	23
37	NET Credit UnionDirect	Sound	Sound	Acceptable	Strong	$1,129Fees	0.385%Above	22
38	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Sound	Strong	$1,745Fees	0.605%Above	70
39	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$2,050Fees	0.611%Above	37
40	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$3,437Fees	0.730%Above	30
41	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$4,620Fees	1.113%Above	44
42	ABSOLUTE HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$2,804Fees	0.647%Above	51
43	Wayne Bank BankDirect	Sound	Strong	Acceptable	Strong	$1,277Fees	0.014%Below	25
44	Jersey Shore State Bank BankDirect	Sound	Mediocre	Sound	Strong	$1,788Fees	0.514%Above	69
45	ZILLOW HOME LOANS, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$3,626Fees	0.741%Above	25
46	Summit Mortgage Corporation Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$3,285Fees	0.377%Above	23
47	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Sound	$2,768Fees	0.840%Above	44
48	First Keystone Community Bank BankDirect	Sound	Acceptable	Acceptable	Strong	$1,473Fees	0.711%Above	25
49	ROYAL UNITED MORTGAGE LLC Independent Mortgage CompanyDirect	Acceptable	Mediocre	Strong	Sound	—	—	21
50	AMERISAVE MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Acceptable	Mediocre	Acceptable	Sound	$3,415Fees	0.350%Above	25

❓ Frequently Asked Questions

How are mortgage lenders ranked in Scranton?+

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 Scranton), 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 Scranton?+

Based on 2024 HMDA data, 71 lenders originated a combined 4,640 loans in Scranton. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

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

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Scranton is 0.47%. 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 Scranton'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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.