# Best FHA Mortgage Lenders in York

**As of:** 2026-05-22

Compare the top FHA mortgage lenders in York. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/york/best-mortgage-lenders/fha-loans


> **📋 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:** 73
- **Total Loans:** 5,150
- **Median Rate Spread:** 0.3292739726027397%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Traditions Bank | 89 | 78 | 80 | 569 | Bank |
| 2 | Manufacturers and Traders Trust Company | 85 | 74 | 65 | 83 | Bank |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 163 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 371 | Independent Mortgage Company |
| 5 | Fulton Bank, National Association | 79 | 74 | 59 | 182 | Bank |
| 6 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 120 | Independent Mortgage Company |
| 7 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 68 | Independent Mortgage Company |
| 8 | MERIDIAN BANK | 79 | 55 | 80 | 45 | Bank |
| 9 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 37 | Independent Mortgage Company |
| 10 | Prosperity Home Mortgage, LLC | 79 | 63 | 72 | 17 | Independent Mortgage Company |
| 11 | CMG MORTGAGE, INC. | 75 | 32 | 79 | 316 | Independent Mortgage Company |
| 12 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 297 | Independent Mortgage Company |
| 13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 115 | Independent Mortgage Company |
| 14 | MEMBERS 1ST | 74 | 80 | 64 | 112 | Credit Union |
| 15 | NEWREZ LLC | 73 | 52 | 56 | 57 | Independent Mortgage Company |
| 16 | EMM LOANS LLC | 73 | 44 | 67 | 43 | Independent Mortgage Company |
| 17 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 195 | Independent Mortgage Company |
| 18 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 54 | Independent Mortgage Company |
| 19 | FIRST COMMUNITY MORTGAGE, INC. | 70 | 33 | 84 | 39 | Independent Mortgage Company |
| 20 | UNION HOME MORTGAGE CORP. | 70 | 22 | 80 | 37 | Independent Mortgage Company |
| 21 | NFM, INC. | 70 | 40 | 83 | 29 | Independent Mortgage Company |
| 22 | Alcova Mortgage LLC | 70 | 39 | 85 | 24 | Independent Mortgage Company |
| 23 | Homesale Mortgage, LLC | 67 | 39 | 75 | 97 | Independent Mortgage Company |
| 24 | Mortgage Research Center, LLC | 66 | 34 | 54 | 123 | Independent Mortgage Company |
| 25 | LOWER, LLC | 66 | 29 | 66 | 19 | Independent Mortgage Company |
| 26 | Integrity Home Mortgage Corporation | 66 | 23 | 79 | 17 | Independent Mortgage Company |
| 27 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 17 | Independent Mortgage Company |
| 28 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 14 | Independent Mortgage Company |
| 29 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 386 | Independent Mortgage Company |
| 30 | FIRST HOME MORTGAGE CORPORATION | 63 | 13 | 84 | 69 | Independent Mortgage Company |
| 31 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 20 | Independent Mortgage Company |
| 32 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 18 | Independent Mortgage Company |
| 33 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 9 | 74 | 93 | Independent Mortgage Company |
| 34 | DIRECT MORTGAGE LOANS, LLC | 59 | 17 | 84 | 22 | Independent Mortgage Company |
| 35 | RADIUS FINANCIAL GROUP INC. | 57 | 18 | 78 | 161 | Independent Mortgage Company |
| 36 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 94 | Independent Mortgage Company |
| 37 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 50 | Independent Mortgage Company |
| 38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 56 | 17 | 70 | 15 | Independent Mortgage Company |
| 39 | FIRST ALLIANCE HOME MORTGAGE, LLC | 53 | 16 | 58 | 66 | Independent Mortgage Company |

## 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 York.

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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.