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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 Mortgage Lenders in Reading
Updated February 5, 2026
Market Overview
67
Total Lenders
3,730
Total Loans
0.36%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Customers Bank | Exceptional | Exceptional | Exceptional | Exceptional | $655 | +0.036% | 130 | |
2 | Tompkins Community Bank | Exceptional | Exceptional | Exceptional | Sound | $972 | -0.045% | 26 | |
3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Sound | $536 | -0.111% | 22 | |
4 | Mortgage America, Inc. | Strong | Sound | Exceptional | Exceptional | $2,974 | +0.272% | 350 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,236 | +0.200% | 185 | |
6 | Truist Bank | Strong | Strong | Strong | Strong | $1,998 | +0.239% | 62 | |
7 | First Commonwealth Federal Credit Union | Strong | Strong | Strong | Strong | $652 | +0.128% | 27 | |
8 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $823 | -0.353% | 23 | |
9 | Univest Bank and Trust Co. | Strong | Sound | Strong | Exceptional | $2,337 | +0.127% | 114 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,152 | +0.189% | 57 | |
11 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $225 | +0.300% | 25 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,033 | +0.435% | 350 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,780 | +0.390% | 225 | |
14 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $1,449 | +0.459% | 118 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,557 | +0.245% | 81 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,816 | +0.389% | 61 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,790 | +0.570% | 52 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,149 | +0.130% | 43 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,100 | +0.602% | 297 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,406 | +0.437% | 101 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,521 | +0.502% | 96 | |
22 | Diamond Credit Union | Strong | Sound | Acceptable | Exceptional | $752 | +0.211% | 72 | |
23 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $3,494 | +0.370% | 57 | |
24 | First National Bank of Pennsylvania | Strong | Sound | Strong | Sound | $924 | +0.193% | 37 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $3,048 | +0.283% | 28 | |
26 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,021 | +0.705% | 66 | |
27 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,827 | +0.553% | 50 | |
28 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $3,425 | +0.399% | 49 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $412 | +0.547% | 45 | |
30 | The Ephrata National Bank | Strong | Acceptable | Strong | Strong | $2,974 | +0.362% | 34 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,210 | +0.588% | 33 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,275 | +0.329% | 27 | |
33 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $4,324 | +0.389% | 20 | |
34 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,420 | +0.556% | 77 | |
35 | Flanagan State Bank | Sound | Acceptable | Sound | Strong | $4,971 | +0.993% | 67 | |
36 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,779 | +0.439% | 46 | |
37 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,026 | +0.344% | 40 | |
38 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $2,412 | +0.402% | 39 | |
39 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,694 | +0.554% | 36 | |
40 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $4,163 | +0.613% | 31 | |
41 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,176 | +0.412% | 23 | |
42 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | $4,576 | +0.648% | 44 | |
43 | EAST COAST CAPITAL CORP. | Sound | Mediocre | Strong | Sound | $5,054 | +1.080% | 24 |
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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