# Best Mortgage Lenders in Chambersburg, PA - 2026


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


> Compare the top mortgage lenders in Chambersburg, PA. Data-driven rankings based on pricing, approval rates, and local market expertise.

## Market Overview

- **Location:** Chambersburg, PA
- **Ranking Type:** Best Mortgage Lenders
- **Scope:** All Mortgage Lenders
- **Total Lenders in Market:** 38
- **Total Loan Volume:** 1,268
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Manufacturers and Traders Trust Company](https://saferate.com/lenders/manufacturers-and-traders-trust) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 2 | [Farmers and Merchants Trust Company of Chambersburg](https://saferate.com/lenders/farmers-and-merchants-trust-company-of-chambersburg) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 3 | [PATRIOT](https://saferate.com/lenders/patriot) | Credit Union | Strong 😀 | Strong 😀 | Sound ☺️ |
| 4 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Exceptional 🤩 |
| 5 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 6 | [Integrity Home Mortgage Corporation](https://saferate.com/lenders/integrity-home-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 7 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 8 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 9 | [ACNB Bank](https://saferate.com/lenders/acnb-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 10 | [Orrstown Bank](https://saferate.com/lenders/orrstown-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 11 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | Credit Union | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 12 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 13 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 14 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 15 | [Homesale Mortgage, LLC](https://saferate.com/lenders/homesale-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 16 | [NEW AMERICAN FUNDING, LLC](https://saferate.com/lenders/new-american-funding) | Independent Mortgage Company | Sound ☺️ | Acceptable 🙂 | Sound ☺️ |
| 17 | [TIDEWATER MORTGAGE SERVICES, INC.](https://saferate.com/lenders/tidewater-mortgage-services) | Independent Mortgage Company | Sound ☺️ | Acceptable 🙂 | Strong 😀 |
| 18 | [DIRECT MORTGAGE LOANS, LLC](https://saferate.com/lenders/direct-mortgage-loans) | Independent Mortgage Company | Sound ☺️ | Mediocre 😐 | Exceptional 🤩 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/chambersburg-pa/best-mortgage-lenders)