Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Pennsylvania

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders395

Total Loans119,897

Median Rate Spread0.33%

Pennsylvania Market Insights

Marquette Savings Bank is Safe Rate's top-ranked Conventional bank in Pennsylvania, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Pennsylvania, Marquette Savings Bank and Wilmington Savings Fund Society FSB scores highest on Conventional pricing while Traditions Bank and Marquette Savings Bank leads on likelihood to close. That is why we encourage speaking with multiple lenders.

Explore Rankings by Type

Overall Rankings

All lenders in Pennsylvania

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Marquette Savings Bank BankDirect	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$450Fees	0.061%Above	454
2	First National Bank of Pennsylvania BankDirect	Exceptional	Strong	Exceptional	Strong	Exceptional	$991Fees	0.211%Above	1,782
3	PNC Bank, National Association BankDirect	Strong	Strong	Exceptional	Strong	Exceptional	$397Credit	0.091%Above	1,516
4	Traditions Bank BankDirect	Strong	Sound	Strong	Exceptional	Exceptional	$1,801Fees	0.196%Above	768
5	The Huntington National Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$780Fees	0.471%Above	730
6	Wilmington Savings Fund Society, FSB BankDirect	Strong	Strong	Strong	Strong	Exceptional	$33Fees	0.100%Below	664
7	First Commonwealth Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$957Fees	0.331%Above	789
8	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$789Fees	0.183%Above	533
9	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$738Fees	0.065%Above	343
10	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Exceptional	$1,215Fees	0.109%Above	1,338
11	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,608Fees	0.050%Below	627
12	Manufacturers and Traders Trust Company BankDirect	Strong	Sound	Exceptional	Strong	Strong	$614Fees	0.247%Above	560
13	S&T Bank BankDirect	Strong	Exceptional	Strong	Sound	Exceptional	$83Credit	0.198%Above	537
14	First Columbia Bank & Trust Co. BankDirect	Strong	Strong	Strong	Exceptional	Strong	$778Fees	0.247%Below	309
15	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,134Fees	0.163%Above	1,223
16	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Exceptional	$1,967Fees	0.099%Above	1,350
17	SOMERSET TRUST COMPANY BankDirect	Strong	Strong	Strong	Strong	Strong	$600Fees	0.057%Below	280
18	Union Savings Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,151Fees	0.095%Above	387
19	The Fidelity Deposit and Discount Bank BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,570Fees	0.247%Above	365
20	ESSA Bank & Trust BankDirect	Strong	Exceptional	Sound	Strong	Exceptional	$175Credit	0.247%Above	332
21	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,514Fees	0.430%Above	756
22	Northwest Bank BankDirect	Strong	Strong	Strong	Sound	Strong	$1,037Fees	0.314%Above	358
23	Community Bank, National Association BankDirect	Strong	Sound	Exceptional	Strong	Strong	$238Fees	0.812%Above	279
24	Fulton Bank, National Association BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,041Fees	0.309%Above	1,232
25	Univest Bank and Trust Co. BankDirect	Strong	Sound	Strong	Strong	Exceptional	$1,833Fees	0.173%Above	898
26	Dollar Bank, Federal Savings Bank BankDirect	Strong	Sound	Strong	Strong	Exceptional	$925Fees	0.215%Above	716
27	Farmers and Merchants Trust Company of Chambersburg BankDirect	Strong	Strong	Strong	Strong	Strong	$1,149Fees	0.136%Above	259
28	MERIDIAN BANK BankDirect	Strong	Sound	Strong	Strong	Exceptional	$2,346Fees	0.100%Above	545
29	CNB Bank BankDirect	Strong	Strong	Strong	Sound	Strong	$565Fees	0.039%Above	280
30	Ixonia Bank BankDirect	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,200Fees	0.575%Above	988
31	TD Bank, National Association BankDirect	Strong	Sound	Strong	Sound	Strong	$545Fees	0.119%Above	504
32	The Ephrata National Bank BankDirect	Strong	Acceptable	Strong	Strong	Exceptional	$2,834Fees	0.256%Above	372
33	Jersey Shore State Bank BankDirect	Strong	Mediocre	Strong	Exceptional	Exceptional	$2,162Fees	0.617%Above	383
34	Mid Penn Bank BankDirect	Strong	Strong	Sound	Acceptable	Strong	$1,162Fees	0.152%Above	289
35	First Citizens Community Bank BankDirect	Strong	Sound	Sound	Sound	Exceptional	$2,186Fees	0.192%Above	446
36	Firstrust Savings Bank BankDirect	Strong	Sound	Sound	Sound	Strong	$1,675Fees	0.339%Above	310
37	USAA Federal Savings Bank BankDirect	Sound	Sound	Strong	Acceptable	Strong	$1,702Fees	0.075%Below	404

❓ Frequently Asked Questions

How are mortgage lenders ranked in Pennsylvania?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Pennsylvania), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Pennsylvania?+

Based on 2024 HMDA data, 395 lenders originated a combined 119,897 loans in Pennsylvania. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Pennsylvania?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Pennsylvania is 0.33%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Pennsylvania's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.