Safe Rate Rankings

Best Conventional Mortgage Lenders in York

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 Lenders73

Total Loans5,150

Median Rate Spread0.33%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$783Fees	0.402%Below	60
2	PENNSYLVANIA STATE EMPLOYEES Credit UnionCredit Union	Exceptional	Exceptional	Strong	Strong	Strong	$529Fees	0.179%Below	46
3	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Strong	$784Fees	0.249%Above	54
4	Traditions BankBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,804Fees	0.178%Above	569
5	MEMBERS 1STCredit Union	Exceptional	Strong	Strong	Strong	Strong	$1,230Fees	0.013%Above	112
6	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,226Fees	0.182%Above	60
7	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,121Credit	0.094%Above	37
8	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,194Fees	0.188%Above	26
9	S&T BankBank	Exceptional	Exceptional	Strong	Sound	Sound	$20Fees	0.016%Below	13
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,123Fees	0.436%Above	371
11	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$394Credit	0.238%Above	83
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,084Fees	0.529%Above	68
13	Farmers and Merchants Trust Company of ChambersburgBank	Strong	Strong	Strong	Strong	Sound	$1,323Fees	0.257%Above	21
14	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,467Fees	0.139%Above	18
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,708Fees	0.475%Above	386
16	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,183Fees	0.420%Above	316
17	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,553Fees	0.396%Above	297
18	Fulton Bank, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,020Fees	0.268%Above	182
19	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,260Fees	0.121%Above	163
20	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,385Fees	0.068%Above	120
21	MERIDIAN BANKBank	Strong	Sound	Strong	Strong	Strong	$2,315Fees	0.136%Above	45
22	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,247Fees	0.175%Above	29
23	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$3,017Fees	1.135%Above	18
24	ACNB BankBank	Strong	Strong	Sound	Strong	Sound	$1,019Fees	0.068%Below	17
25	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,619Fees	0.426%Above	195
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,106Fees	0.500%Above	115
27	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,338Fees	0.607%Above	93
28	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,116Fees	0.406%Above	24
29	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,425Fees	0.356%Above	21
30	RADIUS FINANCIAL GROUP INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,967Fees	0.442%Above	161
31	Homesale Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,968Fees	0.436%Above	97
32	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,005Fees	0.528%Above	94
33	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,397Fees	0.707%Above	69
34	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,755Fees	0.301%Above	57
35	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$4,076Fees	0.481%Above	54
36	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,636Fees	0.493%Above	50
37	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,860Fees	0.581%Above	43
38	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,822Fees	0.227%Above	39
39	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,464Fees	0.339%Above	37
40	Orrstown BankBank	Strong	Sound	Sound	Strong	Sound	$1,401Fees	0.195%Above	32
41	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,262Fees	0.288%Above	23
42	HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,825Fees	0.227%Above	22
43	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,741Fees	0.336%Above	19
44	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,995Fees	0.307%Above	17
45	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,951Fees	0.489%Above	17
46	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$3,109Fees	0.553%Above	17
47	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,281Fees	0.848%Above	14
48	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,361Fees	0.748%Above	123
49	TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,219Fees	0.320%Above	25
50	The Ephrata National BankBank	Strong	Acceptable	Strong	Strong	Sound	$4,340Fees	0.500%Above	20

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.