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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 Bank Mortgage Lenders in Philadelphia
Updated February 5, 2026
Market Overview
25
Total Lenders
3,739
Total Loans
0.14%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | -$2,433 | -0.498% | 91 | |
2 | Customers Bank | Exceptional | Exceptional | Exceptional | Strong | $846 | -0.181% | 78 | |
3 | ESSA Bank & Trust | Exceptional | Exceptional | Strong | Strong | -$3,200 | +0.047% | 86 | |
4 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Exceptional | -$1,104 | -0.112% | 458 | |
5 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $400 | +0.055% | 263 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $270 | -0.513% | 50 | |
7 | MERIDIAN BANK | Strong | Sound | Exceptional | Exceptional | $2,125 | +0.031% | 228 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,542 | -0.066% | 189 | |
9 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$120 | +0.103% | 103 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,276 | +0.026% | 244 | |
11 | First Citizens Community Bank | Strong | Sound | Strong | Exceptional | $2,239 | +0.018% | 184 | |
12 | Mid Penn Bank | Strong | Strong | Sound | Strong | $1,102 | +0.231% | 79 | |
13 | The Huntington National Bank | Strong | Strong | Strong | Sound | $1,617 | +0.479% | 60 | |
14 | Truist Bank | Strong | Strong | Strong | Sound | -$1,214 | -0.011% | 54 | |
15 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $1,503 | -0.133% | 40 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,909 | -0.008% | 301 | |
17 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | $2,081 | -0.011% | 142 | |
18 | Firstrust Savings Bank | Strong | Sound | Strong | Strong | $1,522 | +0.420% | 107 | |
19 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $2,338 | +0.287% | 94 | |
20 | TD Bank, National Association | Strong | Sound | Sound | Strong | -$480 | +0.166% | 192 | |
21 | First National Bank of Pennsylvania | Strong | Sound | Strong | Sound | $1,153 | -0.027% | 45 | |
22 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,853 | -0.034% | 42 | |
23 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,117 | +0.639% | 52 | |
24 | Parke Bank | Sound | Mediocre | Sound | Exceptional | $5,539 | -0.169% | 108 | |
25 | Ixonia Bank | Sound | Mediocre | Strong | Strong | $2,252 | +0.165% | 58 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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