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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 Jumbo Mortgage Bank Lenders in Pennsylvania
Updated February 6, 2026
Market Overview
24
Total Lenders
119,897
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,967 | +0.099% | 1,350 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,608 | -0.050% | 627 | |
3 | S&T Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | -$83 | +0.198% | 537 | |
4 | Marquette Savings Bank | Exceptional | Exceptional | — | Exceptional | Exceptional | $450 | +0.061% | 454 | |
5 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $738 | +0.065% | 343 | |
6 | ESSA Bank & Trust | Exceptional | Exceptional | Strong | Strong | Exceptional | -$175 | +0.247% | 332 | |
7 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,215 | +0.109% | 1,338 | |
8 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $614 | +0.247% | 560 | |
9 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $789 | +0.183% | 533 | |
10 | The Fidelity Deposit and Discount Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,570 | +0.247% | 365 | |
11 | First National Bank of Pennsylvania | Exceptional | Sound | Exceptional | Strong | Exceptional | $991 | +0.211% | 1,782 | |
12 | PNC Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | -$397 | +0.091% | 1,516 | |
13 | Fulton Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,041 | +0.309% | 1,232 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,134 | +0.163% | 1,223 | |
15 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $545 | +0.119% | 504 | |
16 | Farmers and Merchants Trust Company of Chambersburg | Strong | Strong | Strong | Sound | Strong | $1,149 | +0.136% | 259 | |
17 | Univest Bank and Trust Co. | Strong | Sound | Strong | Sound | Exceptional | $1,833 | +0.173% | 898 | |
18 | Dollar Bank, Federal Savings Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $925 | +0.215% | 716 | |
19 | Mid Penn Bank | Strong | Strong | — | Sound | Strong | $1,162 | +0.152% | 289 | |
20 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Strong | $780 | +0.471% | 730 | |
21 | MERIDIAN BANK | Strong | Sound | Sound | Acceptable | Exceptional | $2,346 | +0.100% | 545 | |
22 | The Ephrata National Bank | Strong | Acceptable | Strong | Sound | Exceptional | $2,834 | +0.256% | 372 | |
23 | Wilmington Savings Fund Society, FSB | Strong | Mediocre | Strong | Strong | Exceptional | $33 | -0.100% | 664 | |
24 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,514 | +0.430% | 756 |
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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