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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 Company Lenders in Pennsylvania

Updated February 6, 2026

Market Overview

Total Lenders

119,897

Total Loans

0.33%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,170	+0.325%	2,373
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,418	+0.260%	5,972
3	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Exceptional	$2,092	+0.203%	2,206
4	Mortgage America, Inc.	Exceptional	Strong	Strong	Strong	Exceptional	$2,261	+0.212%	1,597
5	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,279	+0.415%	946
6	KEYSTONE FUNDING, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,335	+0.344%	578
7	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,457	+0.438%	342
8	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,959	+0.424%	1,211
9	ALLIED MORTGAGE GROUP, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,711	+0.402%	624
10	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,840	+0.294%	301
11	GoodLeap, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$3,582	-0.106%	244
12	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,740	+0.432%	11,053
13	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Exceptional	$2,715	+0.433%	1,391
14	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,744	+0.491%	1,372
15	HOWARD HANNA FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Exceptional	$2,390	+0.252%	1,179
16	WEST PENN FINANCIAL SERVICE CENTER, INC.	Strong	Sound	Strong	Strong	Exceptional	$1,944	+0.273%	610
17	EMM LOANS LLC	Strong	Sound	Exceptional	Strong	Strong	$3,044	+0.401%	514
18	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$1,915	+0.496%	505
19	NATIONS DIRECT MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,145	+0.307%	406
20	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,374	+0.280%	301
21	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,827	+0.358%	3,389
22	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,037	+0.094%	2,353
23	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,188	+0.323%	2,234
24	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,120	+0.375%	2,047
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,894	+0.399%	1,113
26	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,329	+0.294%	1,062
27	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,347	+0.344%	829
28	AFFORDABLE MORTGAGE ADVISORS, LLC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,001	+0.448%	792
29	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,555	+0.242%	555
30	Quaint Oak Mortgage, LLC	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,266	+0.234%	460
31	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,858	+0.419%	449
32	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,689	+0.523%	423
33	Philadelphia Mortgage Advisors, Inc.	Strong	Sound	Sound	Strong	Exceptional	$3,051	+0.009%	344
34	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,043	+0.493%	1,917
35	EQUITY RESOURCES, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,234	+0.299%	616
36	VICTORIAN FINANCE, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$3,684	+0.358%	526
37	Homesale Mortgage, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$2,035	+0.475%	419
38	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Sound	Strong	$2,989	+0.329%	355
39	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,705	+0.715%	353
40	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,468	+0.460%	348
41	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,860	+0.309%	324
42	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,005	+0.453%	316
43	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,014	+0.111%	278
44	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,355	+0.684%	277
45	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,755	+0.454%	6,270
46	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,552	+0.358%	312
47	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Strong	$4,425	+0.760%	302
48	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,135	+0.447%	288
49	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Strong	$2,119	+0.239%	286

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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