Safe Rate Rankings

Best Bank Mortgage Lenders in Scranton

Updated June 2, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders71

Total Loans4,640

Median Rate Spread0.47%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NBT Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$913Fees	0.190%Below	67
2	ESSA Bank & TrustBank	Exceptional	Exceptional	Strong	Strong	$670Fees	0.324%Above	58
3	The Fidelity Deposit and Discount BankBank	Exceptional	Strong	Strong	Exceptional	$1,593Fees	0.232%Above	206
4	Peoples Security Bank and Trust CompanyBank	Exceptional	Exceptional	Sound	Strong	$1,188Fees	0.405%Below	58
5	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Strong	$1,058Fees	0.346%Above	57
6	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$309Credit	0.210%Above	55
7	Community Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$375Fees	0.738%Above	186
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,072Fees	0.191%Above	67
9	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,494Fees	0.299%Above	40
10	Wayne BankBank	Strong	Strong	Acceptable	Strong	$1,277Fees	0.014%Below	25
11	The Honesdale National BankBank	Strong	Sound	Sound	Strong	$1,923Fees	0.031%Above	44
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,607Fees	0.621%Above	42
13	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Sound	$637Fees	0.253%Above	38
14	Ixonia BankBank	Sound	Mediocre	Strong	Exceptional	$2,582Fees	0.427%Above	204
15	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,813Fees	0.377%Above	23
16	First Keystone Community BankBank	Sound	Acceptable	Acceptable	Strong	$1,473Fees	0.711%Above	25
17	Jersey Shore State BankBank	Sound	Mediocre	Sound	Strong	$1,788Fees	0.514%Above	69

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.