🛡️
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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,398 | -0.085% | 282 | |
2 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | Strong | -$127 | -0.345% | 51 | |
3 | POLICE & FIRE | Exceptional | Exceptional | Strong | Sound | Exceptional | $293 | -0.071% | 180 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $592 | -0.519% | 155 | |
5 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | $602 | -0.374% | 83 | |
6 | Mortgage America, Inc. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,051 | +0.138% | 400 | |
7 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,706 | -0.023% | 299 | |
8 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Strong | Exceptional | $2,075 | -0.087% | 184 | |
9 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,648 | -0.105% | 176 | |
10 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $318 | -0.071% | 161 | |
11 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,222 | -0.054% | 118 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $356 | -0.138% | 105 | |
13 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $581 | +0.129% | 90 | |
14 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $435 | -0.421% | 65 | |
15 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $960 | +0.238% | 62 | |
16 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $4,072 | +0.227% | 59 | |
17 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,002 | -0.246% | 41 | |
18 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,477 | -0.022% | 232 | |
19 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $401 | -0.184% | 45 | |
20 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Sound | Strong | $149 | -0.168% | 43 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,620 | +0.238% | 1,398 | |
22 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,077 | +0.068% | 1,068 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,997 | +0.187% | 510 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,069 | +0.252% | 256 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,995 | -0.018% | 213 | |
26 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Exceptional | $1,762 | +0.185% | 206 | |
27 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $3,233 | +0.360% | 84 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,631 | +0.210% | 81 | |
29 | Filo Mortgage, L.L.C. | Strong | Strong | Strong | Sound | Strong | $1,611 | +0.116% | 68 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,056 | +0.295% | 1,406 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,076 | +0.016% | 812 | |
32 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,832 | +0.257% | 738 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,035 | +0.248% | 551 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,047 | +0.255% | 513 | |
35 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Strong | $2,269 | +0.155% | 171 | |
36 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Sound | Strong | Exceptional | $3,582 | -0.005% | 143 | |
37 | Quaint Oak Mortgage, LLC | Strong | Sound | Strong | Strong | Strong | $3,698 | +0.038% | 71 | |
38 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,181 | +0.012% | 56 | |
39 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $198 | -0.083% | 49 | |
40 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,351 | +0.272% | 288 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,931 | +0.218% | 241 | |
42 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,179 | +0.001% | 184 | |
43 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,105 | +0.158% | 177 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,279 | +0.275% | 176 | |
45 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,674 | +0.299% | 141 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,435 | +0.335% | 136 | |
47 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,250 | +0.296% | 112 | |
48 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,774 | +0.138% | 99 | |
49 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,175 | +0.150% | 97 | |
50 | PIKE CREEK MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $4,466 | +0.229% | 76 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Montgomery CountyConventional
No credit impact
3-minute process
100% free