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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 Reading

Updated February 5, 2026

Market Overview

Total Lenders

3,730

Total Loans

0.36%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Customers Bank	Exceptional	Exceptional	Sound	Exceptional	Exceptional	$655	+0.036%	130
2	Tompkins Community Bank	Exceptional	Exceptional	Strong	Exceptional	Sound	$972	-0.045%	26
3	Mortgage America, Inc.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,974	+0.272%	350
4	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,998	+0.239%	62
5	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$823	-0.353%	23
6	PENNSYLVANIA STATE EMPLOYEES Credit Union	Exceptional	Exceptional	Strong	Strong	Sound	$536	-0.111%	22
7	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,909	+0.180%	11
8	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,152	+0.189%	57
9	First National Bank of Pennsylvania	Exceptional	Strong	Exceptional	Strong	Sound	$924	+0.193%	37
10	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$795	+0.106%	12
11	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,326	-0.054%	11
12	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,033	+0.435%	350
13	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,236	+0.200%	185
14	Univest Bank and Trust Co.	Strong	Sound	Strong	Strong	Exceptional	$2,337	+0.127%	114
15	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,790	+0.570%	52
16	First Commonwealth Federal Credit Union	Strong	Strong	Sound	Strong	Strong	$652	+0.128%	27
17	Citizens Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	-$89	+0.180%	17
18	MEMBERS 1ST	Strong	Strong	Strong	Strong	Sound	$718	-0.007%	14
19	KeyBank National Association	Strong	Strong	Exceptional	Strong	Acceptable	$2,186	+0.256%	10
20	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,100	+0.602%	297
21	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,780	+0.390%	225
22	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,557	+0.245%	81
23	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Strong	Strong	$3,494	+0.370%	57
24	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$3,026	+0.344%	40
25	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$3,048	+0.283%	28
26	Manufacturers and Traders Trust Company	Strong	Sound	Exceptional	Strong	Sound	$225	+0.300%	25
27	Northpointe Bank	Strong	Sound	Exceptional	Strong	Sound	$3,197	+0.507%	12
28	Fulton Bank, National Association	Strong	Acceptable	Exceptional	Strong	Strong	$1,449	+0.459%	118
29	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,406	+0.437%	101
30	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,521	+0.502%	96
31	Diamond Credit Union	Strong	Sound	Sound	Sound	Exceptional	$752	+0.211%	72
32	CONTOUR MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,021	+0.705%	66
33	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,816	+0.389%	61
34	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,149	+0.130%	43
35	State Financial Network, LLC	Strong	Strong	Sound	Sound	Sound	$1,248	+0.536%	13
36	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,420	+0.556%	77
37	Homesale Mortgage, LLC	Strong	Acceptable	Strong	Strong	Strong	$1,827	+0.553%	50
38	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,425	+0.399%	49
39	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,779	+0.439%	46
40	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,412	+0.402%	39
41	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,694	+0.554%	36
42	The Ephrata National Bank	Strong	Acceptable	Strong	Strong	Strong	$2,974	+0.362%	34
43	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Sound	$2,210	+0.588%	33
44	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$4,163	+0.613%	31
45	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,275	+0.329%	27
46	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$3,176	+0.412%	23
47	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,675	+0.454%	18
48	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,747	+0.496%	17
49	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,667	+0.173%	15
50	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,274	+0.424%	11

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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