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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 VA Mortgage Company Lenders in Pennsylvania
Updated February 6, 2026
Market Overview
50
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,418 | +0.260% | 5,972 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,170 | +0.325% | 2,373 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,037 | +0.094% | 2,353 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,092 | +0.203% | 2,206 | |
5 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,329 | +0.294% | 1,062 | |
6 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,827 | +0.358% | 3,389 | |
7 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,120 | +0.375% | 2,047 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,279 | +0.415% | 946 | |
9 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,915 | +0.496% | 505 | |
10 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,715 | +0.433% | 1,391 | |
11 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,959 | +0.424% | 1,211 | |
12 | PLAZA HOME MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,347 | +0.344% | 829 | |
13 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,335 | +0.344% | 578 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,555 | +0.242% | 555 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,457 | +0.438% | 342 | |
16 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,840 | +0.294% | 301 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,740 | +0.432% | 11,053 | |
18 | Mortgage America, Inc. | Strong | Sound | Strong | Strong | Exceptional | $2,261 | +0.212% | 1,597 | |
19 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,390 | +0.252% | 1,179 | |
20 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,234 | +0.299% | 616 | |
21 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,944 | +0.273% | 610 | |
22 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,374 | +0.280% | 301 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,119 | +0.239% | 286 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,755 | +0.454% | 6,270 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,188 | +0.323% | 2,234 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,043 | +0.493% | 1,917 | |
27 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744 | +0.491% | 1,372 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,894 | +0.399% | 1,113 | |
29 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,858 | +0.419% | 449 | |
30 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,689 | +0.523% | 423 | |
31 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,125 | +0.566% | 250 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,790 | +0.464% | 818 | |
33 | ALLIED MORTGAGE GROUP, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,711 | +0.402% | 624 | |
34 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,044 | +0.401% | 514 | |
35 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,145 | +0.307% | 406 | |
36 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,468 | +0.460% | 348 | |
37 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Acceptable | Strong | Exceptional | $3,051 | +0.009% | 344 | |
38 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,860 | +0.309% | 324 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,005 | +0.453% | 316 | |
40 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,014 | +0.111% | 278 | |
41 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,582 | -0.106% | 244 | |
42 | Quaint Oak Mortgage, LLC | Strong | Acceptable | Sound | Strong | Exceptional | $3,266 | +0.234% | 460 | |
43 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,705 | +0.715% | 353 | |
44 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Strong | $3,753 | +0.591% | 327 | |
45 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,552 | +0.358% | 312 | |
46 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,135 | +0.447% | 288 | |
47 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Mediocre | Strong | Strong | Exceptional | $2,001 | +0.448% | 792 | |
48 | VICTORIAN FINANCE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $3,684 | +0.358% | 526 | |
49 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,989 | +0.329% | 355 | |
50 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,425 | +0.760% | 302 |
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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