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Safe Rate's TrueRank Guarantee
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 State College
Updated February 6, 2026
Market Overview
22
Total Lenders
785
Total Loans
0.09%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Kish Bank | Exceptional | Strong | Strong | Strong | Exceptional | $901 | -0.172% | 89 | |
2 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,523 | +0.107% | 36 | |
3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Sound | $550 | -0.308% | 19 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $436 | -0.282% | 11 | |
5 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,301 | -0.009% | 36 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,467 | +0.089% | 102 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,570 | +0.151% | 100 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,367 | +0.258% | 106 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,780 | +0.042% | 44 | |
10 | CNB Bank | Strong | Strong | Strong | Sound | Sound | $705 | +0.025% | 15 | |
11 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $1,091 | +0.105% | 11 | |
12 | Old Dominion National Bank | Strong | Sound | Sound | Strong | Strong | $1,651 | -0.258% | 30 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,411 | -0.135% | 29 | |
14 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Sound | $1,664 | -0.001% | 20 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Acceptable | $2,495 | +0.197% | 10 | |
16 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,811 | +0.581% | 27 | |
17 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,506 | +0.011% | 12 | |
18 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,136 | +0.677% | 11 | |
19 | MEMBER FIRST MORTGAGE, LLC | Strong | Sound | Strong | Sound | Sound | $1,381 | -0.022% | 11 | |
20 | Jersey Shore State Bank | Strong | Mediocre | Strong | Exceptional | Strong | $3,742 | +0.423% | 38 | |
21 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $2,078 | +0.328% | 14 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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State College, PAConventional
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