Safe Rate Rankings

Best All Lender Mortgage Lenders in Scranton

Updated May 22, 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%

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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	PENNSYLVANIA STATE EMPLOYEES Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	$778Fees	0.062%Below	37
4	The Fidelity Deposit and Discount BankBank	Exceptional	Strong	Strong	Exceptional	$1,593Fees	0.232%Above	206
5	Peoples Security Bank and Trust CompanyBank	Exceptional	Exceptional	Sound	Strong	$1,188Fees	0.405%Below	58
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$413Fees	0.392%Below	46
7	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,140Fees	0.518%Above	173
8	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Strong	$1,058Fees	0.346%Above	57
9	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$309Credit	0.210%Above	55
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,481Fees	0.511%Above	187
11	Community Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$375Fees	0.738%Above	186
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,072Fees	0.191%Above	67
13	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,494Fees	0.299%Above	40
14	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,382Fees	0.533%Above	751
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,179Fees	0.414%Above	280
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,487Fees	0.265%Above	79
17	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,184Fees	0.562%Above	51
18	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,359Fees	0.568%Above	51
19	Wayne BankBank	Strong	Strong	Acceptable	Strong	$1,277Fees	0.014%Below	25
20	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,436Fees	0.725%Above	216
21	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,048Fees	0.684%Above	170
22	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,988Fees	0.388%Above	111
23	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,802Fees	0.475%Above	47
24	The Honesdale National BankBank	Strong	Sound	Sound	Strong	$1,923Fees	0.031%Above	44
25	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,607Fees	0.621%Above	42
26	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Sound	$637Fees	0.253%Above	38
27	AMERANT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,707Fees	0.450%Above	21
28	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,107Fees	0.780%Above	127
29	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,440Fees	0.488%Above	40
30	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,072Fees	0.514%Above	35
31	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,655Fees	0.780%Above	32
32	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,437Fees	0.730%Above	30
33	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,152Fees	0.568%Above	24
34	NETCredit Union	Strong	Sound	Acceptable	Strong	$1,129Fees	0.385%Above	22
35	Ixonia BankBank	Sound	Mediocre	Strong	Exceptional	$2,582Fees	0.427%Above	204
36	UNITED MORTGAGE CORP.Independent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$3,392Fees	1.225%Above	121
37	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$1,745Fees	0.605%Above	70
38	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,620Fees	1.113%Above	44
39	LOWER, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,050Fees	0.611%Above	37
40	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,626Fees	0.741%Above	25
41	Summit Mortgage CorporationIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,285Fees	0.377%Above	23
42	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$2,813Fees	0.377%Above	23
43	ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,804Fees	0.647%Above	51
44	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,768Fees	0.840%Above	44
45	First Keystone Community BankBank	Sound	Acceptable	Acceptable	Strong	$1,473Fees	0.711%Above	25
46	Jersey Shore State BankBank	Sound	Mediocre	Sound	Strong	$1,788Fees	0.514%Above	69
47	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$3,415Fees	0.350%Above	25

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.