# Best Bank Mortgage Lenders in Scranton

**As of:** 2026-06-02

Compare the top banks offering mortgages in Scranton. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Manufacturers and Traders Trust Company | 80 | 62 | 78 | 57 | Bank |
| 5 | PNC Bank, National Association | 80 | 71 | 61 | 55 | Bank |
| 6 | Community Bank, National Association | 78 | 45 | 71 | 186 | Bank |
| 7 | Peoples Security Bank and Trust Company | 78 | 89 | 49 | 58 | Bank |
| 8 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 67 | Bank |
| 9 | Citizens Bank, National Association | 73 | 69 | 62 | 40 | Bank |
| 10 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 42 | Bank |
| 11 | First National Bank of Pennsylvania | 66 | 60 | 71 | 38 | Bank |
| 12 | The Honesdale National Bank | 66 | 54 | 56 | 44 | Bank |
| 13 | Wayne Bank | 63 | 60 | 33 | 25 | Bank |
| 14 | Flagstar Bank, N.A. | 58 | 40 | 76 | 23 | Bank |
| 15 | Ixonia Bank | 54 | 17 | 78 | 204 | Bank |
| 16 | First Keystone Community Bank | 50 | 33 | 33 | 25 | Bank |
| 17 | Jersey Shore State Bank | 46 | 16 | 56 | 69 | Bank |

## 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.