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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 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	Customers Bank	Exceptional	Exceptional	Strong	Exceptional	Strong	$846	-0.181%	78
2	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,440	+0.356%	1,125
3	Wilmington Savings Fund Society, FSB	Exceptional	Exceptional	Strong	Sound	Exceptional	-$1,104	-0.112%	458
4	Univest Bank and Trust Co.	Exceptional	Exceptional	Strong	Strong	Strong	$2,081	-0.011%	142
5	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,672	+0.275%	835
6	Mortgage America, Inc.	Exceptional	Strong	Strong	Strong	Exceptional	$2,129	+0.008%	191
7	First Citizens Community Bank	Exceptional	Strong	Strong	Strong	Exceptional	$2,239	+0.018%	184
8	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$1,769	+0.361%	133
9	ALLIED MORTGAGE GROUP, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,385	+0.493%	278
10	Citizens Bank, National Association	Exceptional	Strong	Strong	Sound	Exceptional	$400	+0.055%	263
11	MERIDIAN BANK	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,125	+0.031%	228
12	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,650	+0.245%	226
13	KEYSTONE FUNDING, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,196	+0.435%	152
14	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,937	+0.389%	1,404
15	TD Bank, National Association	Strong	Strong	Strong	Sound	Strong	-$480	+0.166%	192
16	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,934	+0.316%	169
17	PNC Bank, National Association	Strong	Strong	Strong	Sound	Strong	-$120	+0.103%	103
18	Fulton Bank, National Association	Strong	Strong	Strong	Sound	Strong	$2,338	+0.287%	94
19	Advisors Mortgage Group, L.L.C.	Strong	Sound	Exceptional	Strong	Strong	$2,759	+0.358%	83
20	NATIONS DIRECT MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	Strong	$1,862	+0.354%	79
21	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,160	+0.060%	1,097
22	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,920	+0.339%	671
23	Quaint Oak Mortgage, LLC	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,851	+0.275%	301
24	Philadelphia Mortgage Advisors, Inc.	Strong	Sound	Sound	Strong	Exceptional	$2,537	-0.018%	177
25	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,916	+0.438%	140
26	GREENTREE MORTGAGE COMPANY, L.P.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,723	+0.392%	139
27	Firstrust Savings Bank	Strong	Sound	Strong	Strong	Strong	$1,522	+0.420%	107
28	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,856	+0.512%	102
29	Mid Penn Bank	Strong	Strong	Sound	Sound	Strong	$1,102	+0.231%	79
30	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,439	+0.142%	59
31	Truist Bank	Strong	Strong	Strong	Sound	Sound	-$1,214	-0.011%	54
32	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Sound	$3,117	+0.639%	52
33	EMM LOANS LLC	Strong	Sound	Exceptional	Strong	Sound	$2,117	+0.440%	49
34	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Strong	$1,909	-0.008%	301
35	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,084	+0.332%	290
36	Wells Fargo Bank, National Association	Strong	Sound	Strong	Sound	Strong	$1,276	+0.026%	244
37	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,040	+0.127%	85
38	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,301	+0.237%	83
39	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,147	+0.481%	67
40	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,819	+0.337%	63
41	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,726	+0.449%	38
42	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,902	+0.372%	1,558
43	DAS Acquisition Company, LLC	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,849	+0.385%	144
44	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$1,963	+0.580%	49
45	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,898	+0.913%	48
46	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$2,864	+0.668%	37
47	Bank of America, National Association	Strong	Acceptable	Strong	Sound	Strong	$1,542	-0.066%	189
48	PRINCETON MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$2,951	+0.409%	109
49	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,343	+0.455%	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 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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