# Best Bank Mortgage Lenders in Montgomery County

**As of:** 2026-05-26

Compare the top banks offering mortgages in Montgomery County. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/montgomery-county/best-mortgage-lenders/banks


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 183
- **Total Loans:** 19,475
- **Median Rate Spread:** 0.18055681818181818%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | OceanFirst Bank, National Association | 93 | 94 | 83 | 51 | Bank |
| 2 | Wilmington Savings Fund Society, FSB | 86 | 74 | 77 | 184 | Bank |
| 3 | Morgan Stanley Private Bank, National Association | 86 | 94 | 66 | 65 | Bank |
| 4 | Citizens Bank, National Association | 80 | 69 | 62 | 232 | Bank |
| 5 | Bank of America, National Association | 80 | 73 | 75 | 176 | Bank |
| 6 | PNC Bank, National Association | 80 | 71 | 61 | 161 | Bank |
| 7 | U.S. Bank National Association | 80 | 75 | 71 | 105 | Bank |
| 8 | Truist Bank | 80 | 70 | 68 | 90 | Bank |
| 9 | The Huntington National Bank | 80 | 61 | 75 | 62 | Bank |
| 10 | Wells Fargo Bank, National Association | 78 | 63 | 59 | 299 | Bank |
| 11 | Univest Bank and Trust Co. | 78 | 58 | 68 | 206 | Bank |
| 12 | MERIDIAN BANK | 78 | 49 | 81 | 171 | Bank |
| 13 | First Citizens Community Bank | 78 | 54 | 71 | 160 | Bank |
| 14 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 213 | Bank |
| 15 | First National Bank of Pennsylvania | 73 | 60 | 71 | 118 | Bank |
| 16 | Fulton Bank, National Association | 73 | 40 | 64 | 112 | Bank |
| 17 | Mid Penn Bank | 73 | 75 | 46 | 89 | Bank |
| 18 | Firstrust Savings Bank | 73 | 57 | 67 | 87 | Bank |
| 19 | Penn Community Bank | 73 | 71 | 52 | 63 | Bank |
| 20 | Manufacturers and Traders Trust Company | 73 | 62 | 78 | 49 | Bank |
| 21 | NBKC BANK | 71 | 91 | 59 | 45 | Bank |
| 22 | Citibank, National Association | 71 | 87 | 58 | 41 | Bank |
| 23 | TD Bank, National Association | 66 | 47 | 57 | 184 | Bank |
| 24 | Flagstar Bank, N.A. | 58 | 40 | 76 | 58 | Bank |
| 25 | SOFI BANK, NATIONAL ASSOCIATION | 58 | 75 | 36 | 46 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Montgomery County.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.