# Best Mortgage Lenders in Scranton

**As of:** 2026-05-22

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

> **Canonical URL:** https://saferate.com/scranton/best-mortgage-lenders


> **📋 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


## Market Statistics

- **Total Lenders:** 71
- **Total Loans:** 4,640
- **Median Rate Spread:** 0.46530303030303033%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | The Fidelity Deposit and Discount Bank | 86 | 62 | 73 | 206 | Bank |
| 2 | NBT Bank, National Association | 86 | 85 | 70 | 67 | Bank |
| 3 | ESSA Bank & Trust | 86 | 81 | 60 | 58 | Bank |
| 4 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 86 | 83 | 73 | 37 | Credit Union |
| 5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 84 | 46 | 83 | 173 | Independent Mortgage Company |
| 6 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 57 | Bank |
| 7 | PNC Bank, National Association | 80 | 71 | 61 | 55 | Bank |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 187 | Independent Mortgage Company |
| 9 | Community Bank, National Association | 78 | 45 | 71 | 186 | Bank |
| 10 | Peoples Security Bank and Trust Company | 78 | 89 | 49 | 58 | Bank |
| 11 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 46 | Credit Union |
| 12 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 751 | Independent Mortgage Company |
| 13 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 280 | Independent Mortgage Company |
| 14 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 79 | Independent Mortgage Company |
| 15 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 67 | Bank |
| 16 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 51 | Independent Mortgage Company |
| 17 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 51 | Independent Mortgage Company |
| 18 | Citizens Bank, National Association | 73 | 69 | 62 | 40 | Bank |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 68 | 20 | 76 | 216 | Independent Mortgage Company |
| 20 | KIND LENDING, LLC | 68 | 39 | 73 | 170 | Independent Mortgage Company |
| 21 | SWBC MORTGAGE CORPORATION | 68 | 34 | 86 | 111 | Independent Mortgage Company |
| 22 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 47 | Independent Mortgage Company |
| 23 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 42 | Bank |
| 24 | First National Bank of Pennsylvania | 66 | 60 | 71 | 38 | Bank |
| 25 | AMERANT MORTGAGE, LLC | 66 | 52 | 64 | 21 | Independent Mortgage Company |
| 26 | The Honesdale National Bank | 66 | 54 | 56 | 44 | Bank |
| 27 | Mortgage Research Center, LLC | 63 | 34 | 70 | 127 | Independent Mortgage Company |
| 28 | MICHIGAN MUTUAL, INC. | 63 | 32 | 73 | 40 | Independent Mortgage Company |
| 29 | Wayne Bank | 63 | 60 | 33 | 25 | Bank |
| 30 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 35 | Independent Mortgage Company |
| 31 | Alcova Mortgage LLC | 62 | 32 | 90 | 32 | Independent Mortgage Company |
| 32 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 30 | Independent Mortgage Company |
| 33 | FIRST COMMUNITY MORTGAGE, INC. | 62 | 31 | 89 | 24 | Independent Mortgage Company |
| 34 | NEWREZ LLC | 58 | 35 | 59 | 70 | Independent Mortgage Company |
| 35 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 44 | Independent Mortgage Company |
| 36 | LOWER, LLC | 58 | 30 | 71 | 37 | Independent Mortgage Company |
| 37 | ZILLOW HOME LOANS, LLC | 58 | 31 | 63 | 25 | Independent Mortgage Company |
| 38 | Summit Mortgage Corporation | 58 | 29 | 64 | 23 | Independent Mortgage Company |
| 39 | Flagstar Bank, N.A. | 58 | 40 | 76 | 23 | Bank |
| 40 | NET | 58 | 58 | 39 | 22 | Credit Union |
| 41 | Ixonia Bank | 54 | 17 | 78 | 204 | Bank |
| 42 | UNITED MORTGAGE CORP. | 54 | 12 | 71 | 121 | Independent Mortgage Company |
| 43 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 44 | Independent Mortgage Company |
| 44 | ABSOLUTE HOME MORTGAGE CORPORATION | 50 | 20 | 68 | 51 | Independent Mortgage Company |
| 45 | FIRST HERITAGE FINANCIAL, LLC | 50 | N/A | 62 | 36 | Independent Mortgage Company |
| 46 | First Keystone Community Bank | 50 | 33 | 33 | 25 | Bank |
| 47 | Jersey Shore State Bank | 46 | 16 | 56 | 69 | Bank |
| 48 | CHOICE ONE COMMUNITY FEDERAL CREDIT UNION | 46 | N/A | 45 | 52 | Credit Union |
| 49 | ROYAL UNITED MORTGAGE LLC | 46 | 5 | 63 | 21 | Independent Mortgage Company |
| 50 | AMERISAVE MORTGAGE CORPORATION | 36 | 18 | 27 | 25 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Scranton.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.