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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 Conventional Mortgage Lenders in Philadelphia

Updated February 5, 2026

Market Overview

163

Total Lenders

17,577

Total Loans

0.31%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	OceanFirst Bank, National Association	Exceptional	Exceptional	Strong	Exceptional	Strong	-$2,433	-0.498%	91
2	POLICE & FIRE	Exceptional	Exceptional	Strong	Sound	Exceptional	$199	+0.170%	305
3	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,294	-0.086%	171
4	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$875	-0.408%	122
5	Customers Bank	Exceptional	Exceptional	Sound	Exceptional	Strong	$846	-0.181%	78
6	Wilmington Savings Fund Society, FSB	Exceptional	Strong	Strong	Strong	Exceptional	-$1,104	-0.112%	458
7	Citizens Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$400	+0.055%	263
8	Mortgage America, Inc.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,129	+0.008%	191
9	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,542	-0.066%	189
10	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Strong	-$120	+0.103%	103
11	ESSA Bank & Trust	Exceptional	Exceptional	Sound	Strong	Strong	-$3,200	+0.047%	86
12	PENNSYLVANIA STATE EMPLOYEES Credit Union	Exceptional	Exceptional	Strong	Strong	Sound	$554	-0.301%	37
13	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,276	+0.026%	244
14	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Sound	$1,617	+0.479%	60
15	Truist Bank	Exceptional	Strong	Exceptional	Strong	Sound	-$1,214	-0.011%	54
16	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Sound	$270	-0.513%	50
17	First National Bank of Pennsylvania	Exceptional	Strong	Exceptional	Strong	Sound	$1,153	-0.027%	45
18	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,503	-0.133%	40
19	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,937	+0.389%	1,404
20	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,672	+0.275%	835
21	Quaint Oak Mortgage, LLC	Strong	Sound	Strong	Strong	Exceptional	$2,851	+0.275%	301
22	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,909	-0.008%	301
23	MERIDIAN BANK	Strong	Sound	Strong	Strong	Exceptional	$2,125	+0.031%	228
24	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,934	+0.316%	169
25	Advisors Mortgage Group, L.L.C.	Strong	Sound	Exceptional	Strong	Strong	$2,759	+0.358%	83
26	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,147	+0.481%	67
27	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,902	+0.372%	1,558
28	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,440	+0.356%	1,125
29	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,160	+0.060%	1,097
30	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,920	+0.339%	671
31	ALLIED MORTGAGE GROUP, INC.	Strong	Sound	Strong	Sound	Exceptional	$2,385	+0.493%	278
32	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,650	+0.245%	226
33	Philadelphia Mortgage Advisors, Inc.	Strong	Sound	Sound	Strong	Exceptional	$2,537	-0.018%	177
34	Univest Bank and Trust Co.	Strong	Sound	Strong	Strong	Strong	$2,081	-0.011%	142
35	PHILADELPHIA FEDERAL CREDIT UNION	Strong	Strong	Sound	Sound	Strong	$545	+0.079%	68
36	State Financial Network, LLC	Strong	Strong	Sound	Sound	Strong	$733	+0.013%	50
37	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$872	+0.105%	39
38	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$1,107	+0.016%	37
39	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,084	+0.332%	290
40	TD Bank, National Association	Strong	Sound	Strong	Sound	Strong	-$480	+0.166%	192
41	First Citizens Community Bank	Strong	Sound	Sound	Sound	Exceptional	$2,239	+0.018%	184
42	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,849	+0.385%	144
43	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$1,769	+0.361%	133
44	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,570	+0.437%	108
45	Fulton Bank, National Association	Strong	Acceptable	Exceptional	Strong	Strong	$2,338	+0.287%	94
46	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,301	+0.237%	83
47	KEYSTONE FUNDING, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,196	+0.435%	152
48	GREENTREE MORTGAGE COMPANY, L.P.	Strong	Acceptable	Strong	Strong	Strong	$2,723	+0.392%	139
49	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Strong	$1,862	+0.354%	79

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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