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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 Company Lenders in Philadelphia

Updated February 5, 2026

Market Overview

Total Lenders

17,577

Total Loans

0.31%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,294	-0.086%	171
2	Mortgage America, Inc.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,129	+0.008%	191
3	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,937	+0.389%	1,404
4	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,672	+0.275%	835
5	Quaint Oak Mortgage, LLC	Strong	Sound	Strong	Strong	Exceptional	$2,851	+0.275%	301
6	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,934	+0.316%	169
7	Advisors Mortgage Group, L.L.C.	Strong	Sound	Exceptional	Strong	Strong	$2,759	+0.358%	83
8	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,147	+0.481%	67
9	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,902	+0.372%	1,558
10	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,440	+0.356%	1,125
11	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,160	+0.060%	1,097
12	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,920	+0.339%	671
13	ALLIED MORTGAGE GROUP, INC.	Strong	Sound	Strong	Sound	Exceptional	$2,385	+0.493%	278
14	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,650	+0.245%	226
15	Philadelphia Mortgage Advisors, Inc.	Strong	Sound	Sound	Strong	Exceptional	$2,537	-0.018%	177
16	State Financial Network, LLC	Strong	Strong	Sound	Sound	Strong	$733	+0.013%	50
17	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$872	+0.105%	39
18	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Sound	$1,107	+0.016%	37
19	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,084	+0.332%	290
20	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,849	+0.385%	144
21	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$1,769	+0.361%	133
22	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,570	+0.437%	108
23	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,301	+0.237%	83
24	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,801	+0.531%	197
25	KEYSTONE FUNDING, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,196	+0.435%	152
26	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,916	+0.438%	140
27	GREENTREE MORTGAGE COMPANY, L.P.	Strong	Acceptable	Strong	Strong	Strong	$2,723	+0.392%	139
28	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,040	+0.127%	85
29	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Strong	$1,862	+0.354%	79
30	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$1,819	+0.337%	63
31	GO MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Strong	$4,132	+0.469%	60
32	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,439	+0.142%	59
33	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,117	+0.440%	49
34	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$1,963	+0.580%	49
35	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,972	+0.385%	42
36	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,726	+0.449%	38
37	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$2,864	+0.668%	37
38	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,376	+0.338%	144
39	ABSOLUTE HOME MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$2,926	+0.592%	113
40	NFM, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$2,856	+0.512%	102
41	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Mediocre	Exceptional	Strong	Strong	$4,102	+0.484%	60
42	LENDING CAPITAL GROUP Inc	Sound	Acceptable	Sound	Sound	Strong	$2,941	+0.610%	111
43	Center City Mortgage and Investments LLC	Sound	Sound	Acceptable	Acceptable	Strong	$2,070	+0.238%	59
44	PRINCETON MORTGAGE CORPORATION	Sound	Acceptable	Sound	Acceptable	Strong	$2,951	+0.409%	109
45	SUCCESS MORTGAGE PARTNERS, INC.	Sound	Mediocre	Strong	Sound	Strong	$3,786	+0.361%	85
46	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Sound	$4,343	+0.455%	58
47	AmRes Corporation	Sound	Acceptable	Sound	Sound	Sound	$3,734	+0.670%	37

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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