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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Montgomery County
Updated February 5, 2026
Market Overview
183
Total Lenders
19,475
Total Loans
0.18%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | POLICE & FIRE | Exceptional | Exceptional | Strong | Exceptional | $293 | -0.071% | 180 | |
2 | OceanFirst Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | -$127 | -0.345% | 51 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Exceptional | $1,398 | -0.085% | 282 | |
4 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | $602 | -0.374% | 83 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $435 | -0.421% | 65 | |
6 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Exceptional | $2,075 | -0.087% | 184 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $592 | -0.519% | 155 | |
8 | CITADEL FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $664 | +0.152% | 93 | |
9 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Strong | $149 | -0.168% | 43 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,077 | +0.068% | 1,068 | |
11 | Mortgage America, Inc. | Strong | Sound | Exceptional | Exceptional | $2,051 | +0.138% | 400 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,706 | -0.023% | 299 | |
13 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Exceptional | $2,351 | +0.272% | 288 | |
14 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,477 | -0.022% | 232 | |
15 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,648 | -0.105% | 176 | |
16 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $318 | -0.071% | 161 | |
17 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $356 | -0.138% | 105 | |
18 | Truist Bank | Strong | Strong | Strong | Strong | $581 | +0.129% | 90 | |
19 | The Huntington National Bank | Strong | Strong | Strong | Strong | $960 | +0.238% | 62 | |
20 | NJ LENDERS CORP. | Strong | Strong | Strong | Strong | $4,072 | +0.227% | 59 | |
21 | NBKC BANK | Strong | Exceptional | Sound | Sound | $401 | -0.184% | 45 | |
22 | Citibank, National Association | Strong | Exceptional | Sound | Sound | $1,002 | -0.246% | 41 | |
23 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $3,076 | +0.016% | 812 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,997 | +0.187% | 510 | |
25 | Univest Bank and Trust Co. | Strong | Sound | Strong | Exceptional | $1,762 | +0.185% | 206 | |
26 | MERIDIAN BANK | Strong | Sound | Exceptional | Strong | $2,269 | +0.155% | 171 | |
27 | First Citizens Community Bank | Strong | Sound | Strong | Exceptional | $2,413 | +0.152% | 160 | |
28 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Strong | Exceptional | $3,582 | -0.005% | 143 | |
29 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $1,774 | +0.138% | 99 | |
30 | Mid Penn Bank | Strong | Strong | Sound | Strong | $1,219 | +0.219% | 89 | |
31 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | $3,233 | +0.360% | 84 | |
32 | Penn Community Bank | Strong | Strong | Sound | Strong | $335 | +0.168% | 63 | |
33 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $198 | -0.083% | 49 | |
34 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,620 | +0.238% | 1,398 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,035 | +0.248% | 551 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,047 | +0.255% | 513 | |
37 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,069 | +0.252% | 256 | |
38 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,995 | -0.018% | 213 | |
39 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,105 | +0.158% | 177 | |
40 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $2,961 | +0.287% | 160 | |
41 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,222 | -0.054% | 118 | |
42 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $2,250 | +0.296% | 112 | |
43 | Firstrust Savings Bank | Strong | Sound | Strong | Strong | $1,342 | +0.125% | 87 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,056 | +0.295% | 1,406 | |
45 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,832 | +0.257% | 738 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,931 | +0.218% | 241 | |
47 | LENDING CAPITAL GROUP Inc | Strong | Acceptable | Strong | Exceptional | $3,643 | +0.438% | 210 | |
48 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,279 | +0.275% | 176 | |
49 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,934 | +0.335% | 140 | |
50 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,175 | +0.150% | 97 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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