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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 Conventional Mortgage Bank Lenders in Montgomery County
Updated February 5, 2026
Market Overview
25
Total Lenders
19,475
Total Loans
0.18%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | Strong | -$127 | -0.345% | 51 | |
2 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,706 | -0.023% | 299 | |
3 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Strong | Exceptional | $2,075 | -0.087% | 184 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,648 | -0.105% | 176 | |
5 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $318 | -0.071% | 161 | |
6 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,222 | -0.054% | 118 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $356 | -0.138% | 105 | |
8 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $581 | +0.129% | 90 | |
9 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $435 | -0.421% | 65 | |
10 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $960 | +0.238% | 62 | |
11 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,002 | -0.246% | 41 | |
12 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,477 | -0.022% | 232 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $401 | -0.184% | 45 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,995 | -0.018% | 213 | |
15 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Exceptional | $1,762 | +0.185% | 206 | |
16 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Strong | $2,269 | +0.155% | 171 | |
17 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $198 | -0.083% | 49 | |
18 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,179 | +0.001% | 184 | |
19 | First Citizens Community Bank | Strong | Sound | Sound | Sound | Exceptional | $2,413 | +0.152% | 160 | |
20 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,250 | +0.296% | 112 | |
21 | Mid Penn Bank | Strong | Strong | Sound | Acceptable | Strong | $1,219 | +0.219% | 89 | |
22 | Penn Community Bank | Strong | Strong | Acceptable | Sound | Strong | $335 | +0.168% | 63 | |
23 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Strong | Acceptable | Sound | $455 | +0.131% | 46 | |
24 | Firstrust Savings Bank | Strong | Sound | Sound | Sound | Strong | $1,342 | +0.125% | 87 | |
25 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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