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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 Bank Mortgage Lenders in Montgomery County
Updated February 5, 2026
Market Overview
25
Total Lenders
3,556
Total Loans
0.08%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | -$127 | -0.345% | 51 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $435 | -0.421% | 65 | |
3 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Exceptional | $2,075 | -0.087% | 184 | |
4 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,706 | -0.023% | 299 | |
5 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,477 | -0.022% | 232 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,648 | -0.105% | 176 | |
7 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $318 | -0.071% | 161 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $356 | -0.138% | 105 | |
9 | Truist Bank | Strong | Strong | Strong | Strong | $581 | +0.129% | 90 | |
10 | The Huntington National Bank | Strong | Strong | Strong | Strong | $960 | +0.238% | 62 | |
11 | NBKC BANK | Strong | Exceptional | Sound | Sound | $401 | -0.184% | 45 | |
12 | Citibank, National Association | Strong | Exceptional | Sound | Sound | $1,002 | -0.246% | 41 | |
13 | Univest Bank and Trust Co. | Strong | Sound | Strong | Exceptional | $1,762 | +0.185% | 206 | |
14 | MERIDIAN BANK | Strong | Sound | Exceptional | Strong | $2,269 | +0.155% | 171 | |
15 | First Citizens Community Bank | Strong | Sound | Strong | Exceptional | $2,413 | +0.152% | 160 | |
16 | Mid Penn Bank | Strong | Strong | Sound | Strong | $1,219 | +0.219% | 89 | |
17 | Penn Community Bank | Strong | Strong | Sound | Strong | $335 | +0.168% | 63 | |
18 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $198 | -0.083% | 49 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,995 | -0.018% | 213 | |
20 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,222 | -0.054% | 118 | |
21 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $2,250 | +0.296% | 112 | |
22 | Firstrust Savings Bank | Strong | Sound | Strong | Strong | $1,342 | +0.125% | 87 | |
23 | TD Bank, National Association | Strong | Sound | Sound | Strong | $1,179 | +0.001% | 184 | |
24 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Acceptable | Sound | $455 | +0.131% | 46 | |
25 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,460 | +0.278% | 58 |
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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