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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 FHA Mortgage Lenders in Pennsylvania

Updated February 6, 2026

Market Overview

395

Total Lenders

119,897

Total Loans

0.33%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	First National Bank of Pennsylvania	Exceptional	Exceptional	Strong	Strong	Exceptional	$991	+0.211%	1,782
2	Univest Bank and Trust Co.	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,833	+0.173%	898
3	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,170	+0.325%	2,373
4	Traditions Bank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,801	+0.196%	768
5	Wilmington Savings Fund Society, FSB	Exceptional	Exceptional	Strong	Sound	Exceptional	$33	-0.100%	664
6	Union Savings Bank	Exceptional	Exceptional	Strong	Strong	Strong	$1,151	+0.095%	387
7	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,418	+0.260%	5,972
8	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Exceptional	$2,092	+0.203%	2,206
9	Mortgage America, Inc.	Exceptional	Strong	Strong	Strong	Exceptional	$2,261	+0.212%	1,597
10	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,279	+0.415%	946
11	First Commonwealth Bank	Exceptional	Strong	Strong	Strong	Exceptional	$957	+0.331%	789
12	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Strong	$780	+0.471%	730
13	KEYSTONE FUNDING, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,335	+0.344%	578
14	Manufacturers and Traders Trust Company	Exceptional	Strong	Exceptional	Strong	Strong	$614	+0.247%	560
15	First Citizens Community Bank	Exceptional	Strong	Strong	Strong	Exceptional	$2,186	+0.192%	446
16	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,457	+0.438%	342
17	PNC Bank, National Association	Exceptional	Strong	Strong	Sound	Exceptional	-$397	+0.091%	1,516
18	Citizens Bank, National Association	Exceptional	Strong	Strong	Sound	Exceptional	$1,215	+0.109%	1,338
19	Fulton Bank, National Association	Exceptional	Strong	Strong	Sound	Exceptional	$2,041	+0.309%	1,232
20	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,959	+0.424%	1,211
21	Dollar Bank, Federal Savings Bank	Exceptional	Strong	Strong	Sound	Exceptional	$925	+0.215%	716
22	ALLIED MORTGAGE GROUP, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,711	+0.402%	624
23	MEMBERS 1ST	Exceptional	Strong	Sound	Strong	Exceptional	$1,307	+0.045%	624
24	MERIDIAN BANK	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,346	+0.100%	545
25	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$738	+0.065%	343
26	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,840	+0.294%	301
27	GoodLeap, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$3,582	-0.106%	244
28	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,740	+0.432%	11,053
29	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Exceptional	$2,715	+0.433%	1,391
30	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,744	+0.491%	1,372
31	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Exceptional	$2,390	+0.252%	1,179
32	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,514	+0.430%	756
33	WEST PENN FINANCIAL SERVICE CENTER, INC.	Strong	Sound	Strong	Strong	Exceptional	$1,944	+0.273%	610
34	Truist Bank	Strong	Strong	Strong	Sound	Strong	$789	+0.183%	533
35	EMM LOANS LLC	Strong	Sound	Exceptional	Strong	Strong	$3,044	+0.401%	514
36	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$1,915	+0.496%	505
37	NATIONS DIRECT MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,145	+0.307%	406
38	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,374	+0.280%	301
39	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,827	+0.358%	3,389
40	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,037	+0.094%	2,353
41	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,188	+0.323%	2,234
42	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,120	+0.375%	2,047
43	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,894	+0.399%	1,113
44	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,329	+0.294%	1,062
45	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,347	+0.344%	829
46	AFFORDABLE MORTGAGE ADVISORS, LLC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,001	+0.448%	792
47	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,555	+0.242%	555
48	Quaint Oak Mortgage, LLC	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,266	+0.234%	460
49	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,858	+0.419%	449
50	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,689	+0.523%	423

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)

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.

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