Top Mortgage Lenders in the Bloomsburg, PA area

Which mortgage lender in the Bloomsburg, PA area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Bloomsburg, PA area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Bloomsburg, PA area is Pa State Employees Cu, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.27%. This means that Pa State Employees Cu provided a -0.27% lower interest rate for its customers than other lenders in Bloomsburg, PA for a similar set of borrowers. Pa State Employees Cu has a market share of 7.3%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 28.3%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.05% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Bloomsburg, PA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Bloomsburg, PA is Pa State Employees Cu. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Pnc Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Mortgage America, Inc. The cheapest VA mortgage provider is LoanDepot. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.27% 7.25%
Mortgage America, Inc 2, -0.09% 5.00%
First National Bank of Pennsylvania 3, -0.08% 6.53%
Fulton Bank 4, -0.06% 8.86%
M&T Bank 5, -0.05% 3.46%
Truist Bank 6, -0.04% 2.90%
LoanDepot 7, -0.02% 2.66%
Usaa Federal Savings Bank 8, -0.02% 2.66%
Citizens Bank 9, -0.01% 2.98%
Wells Fargo Bank 10, -0.01% 3.06%
Pnc Bank 11, -0.00% 2.66%
First Columbia Bank & Trust 12, 0.05% 14.02%
Quicken Loans 13, 0.05% 28.28%
Primelending 14, 0.07% 5.08%
Service 1st Federal Credit Union 15, 0.29% 4.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.22% 5.69%
Mortgage America, Inc 2, -0.10% 8.76%
First National Bank of Pennsylvania 3, -0.06% 6.13%
M&T Bank 4, -0.06% 4.67%
Wells Fargo Bank 5, -0.05% 3.36%
Fulton Bank 6, -0.04% 10.95%
Truist Bank 7, -0.04% 3.21%
Pnc Bank 8, -0.03% 2.34%
Usaa Federal Savings Bank 9, -0.02% 4.09%
LoanDepot 10, -0.02% 0.73%
Citizens Bank 11, -0.02% 4.23%
Service 1st Federal Credit Union 12, 0.05% 0.44%
Primelending 13, 0.07% 9.05%
Quicken Loans 14, 0.07% 21.46%
First Columbia Bank & Trust 15, 0.10% 14.89%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.31% 9.17%
Fulton Bank 2, -0.11% 6.29%
First National Bank of Pennsylvania 3, -0.09% 7.01%
Truist Bank 4, -0.05% 2.52%
M&T Bank 5, -0.04% 1.98%
First Columbia Bank & Trust 6, -0.03% 12.95%
Mortgage America, Inc 7, -0.02% 0.36%
Usaa Federal Savings Bank 8, -0.02% 0.90%
Citizens Bank 9, -0.02% 1.44%
LoanDepot 10, -0.01% 5.04%
Primelending 11, 0.01% 0.18%
Pnc Bank 12, 0.03% 3.06%
Quicken Loans 13, 0.04% 36.69%
Wells Fargo Bank 14, 0.06% 2.70%
Service 1st Federal Credit Union 15, 0.31% 9.71%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.27% 9.50%
First National Bank of Pennsylvania 2, -0.09% 8.03%
Fulton Bank 3, -0.06% 10.56%
M&T Bank 4, -0.05% 3.91%
Truist Bank 5, -0.04% 3.70%
Mortgage America, Inc 6, -0.04% 4.01%
Citizens Bank 7, -0.02% 2.53%
LoanDepot 8, -0.01% 2.22%
Wells Fargo Bank 9, -0.01% 3.70%
Usaa Federal Savings Bank 10, -0.00% 0.95%
Pnc Bank 11, -0.00% 3.27%
Primelending 12, 0.04% 3.17%
First Columbia Bank & Trust 13, 0.05% 18.16%
Quicken Loans 14, 0.09% 20.27%
Service 1st Federal Credit Union 15, 0.29% 6.02%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.22% 8.07%
First National Bank of Pennsylvania 2, -0.07% 7.66%
M&T Bank 3, -0.06% 5.38%
Wells Fargo Bank 4, -0.05% 4.55%
Mortgage America, Inc 5, -0.04% 7.45%
Truist Bank 6, -0.04% 4.35%
Pnc Bank 7, -0.03% 2.90%
Fulton Bank 8, -0.03% 13.66%
LoanDepot 9, -0.02% 0.83%
Citizens Bank 10, -0.01% 3.31%
Usaa Federal Savings Bank 11, 0.00% 1.45%
Primelending 12, 0.04% 6.00%
Service 1st Federal Credit Union 13, 0.05% 0.62%
Quicken Loans 14, 0.10% 13.04%
First Columbia Bank & Trust 15, 0.11% 20.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.31% 10.99%
Fulton Bank 2, -0.11% 7.33%
First National Bank of Pennsylvania 3, -0.10% 8.41%
Truist Bank 4, -0.05% 3.02%
M&T Bank 5, -0.04% 2.37%
First Columbia Bank & Trust 6, -0.03% 15.52%
Mortgage America, Inc 7, -0.03% 0.43%
Citizens Bank 8, -0.02% 1.72%
Usaa Federal Savings Bank 9, -0.02% 0.43%
LoanDepot 10, -0.01% 3.66%
Primelending 11, 0.01% 0.22%
Pnc Bank 12, 0.03% 3.66%
Wells Fargo Bank 13, 0.06% 2.80%
Quicken Loans 14, 0.08% 27.80%
Service 1st Federal Credit Union 15, 0.30% 11.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Mortgage America, Inc 1, -0.19% 10.85%
Fulton Bank 2, -0.08% 3.30%
M&T Bank 3, -0.05% 2.83%
Citizens Bank 4, -0.03% 4.25%
LoanDepot 5, 0.00% 1.42%
Pnc Bank 6, 0.01% 0.47%
First National Bank of Pennsylvania 7, 0.01% 1.42%
Quicken Loans 8, 0.02% 63.21%
Primelending 9, 0.11% 12.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Mortgage America, Inc 1, -0.20% 15.33%
Fulton Bank 2, -0.10% 4.67%
M&T Bank 3, -0.07% 4.00%
Citizens Bank 4, -0.05% 6.00%
Pnc Bank 5, -0.01% 0.67%
First National Bank of Pennsylvania 6, -0.00% 2.00%
Quicken Loans 7, 0.05% 50.00%
Primelending 8, 0.09% 17.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.00% 95.16%
LoanDepot 2, 0.04% 4.84%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pnc Bank 1, 0.00% 33.33%
First National Bank of Pennsylvania 2, 0.00% 66.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pnc Bank 1, 0.00% 33.33%
First National Bank of Pennsylvania 2, 0.00% 66.67%
Insufficient data available.
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.04% 11.39%
Usaa Federal Savings Bank 2, -0.02% 30.38%
Fulton Bank 3, -0.00% 3.80%
Truist Bank 4, -0.00% 1.27%
First Columbia Bank & Trust 5, 0.00% 2.53%
Quicken Loans 6, 0.01% 31.65%
Mortgage America, Inc 7, 0.01% 1.27%
Wells Fargo Bank 8, 0.01% 3.80%
Citizens Bank 9, 0.04% 5.06%
Primelending 10, 0.06% 8.86%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.03% 42.86%
LoanDepot 2, -0.01% 2.04%
Fulton Bank 3, -0.01% 4.08%
Truist Bank 4, -0.01% 2.04%
Wells Fargo Bank 5, -0.01% 2.04%
First Columbia Bank & Trust 6, -0.01% 4.08%
Mortgage America, Inc 7, 0.00% 2.04%
Quicken Loans 8, 0.01% 18.37%
Citizens Bank 9, 0.04% 8.16%
Primelending 10, 0.06% 14.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
LoanDepot 1, -0.03% 26.67%
Usaa Federal Savings Bank 2, -0.02% 10.00%
Fulton Bank 3, 0.01% 3.33%
Quicken Loans 4, 0.02% 53.33%
Wells Fargo Bank 5, 0.03% 6.67%

* Data is compiled for the Bloomsburg, PA commuting zone area, which comprises of counties of Columbia County, PA, Montour County, PA, Northumberland County, PA, Snyder County, PA, and Union County, PA. This includes cities/towns/communities of Bloomsburg, PA as well as Linntown, PA, Berwick, PA, Aristes, PA, Elysburg, PA, Lightstreet, PA, Benton, PA, Danville, PA, Watsontown, PA, Fernville, PA, Shamokin Dam, PA, Riverside, PA, Milton, PA, Kreamer, PA, Sunbury, PA, Millville, PA, West Milton, PA, Mifflinburg, PA, New Columbia, PA, Turbotville, PA, Catawissa, PA, Hartleton, PA, Briar Creek, PA, Espy, PA, Selinsgrove, PA, Northumberland, PA, Dalmatia, PA, Trevorton, PA, Winfield, PA, Beavertown, PA, Kapp Heights, PA, Middleburg, PA, Lewisburg, PA, Mifflinville, PA, Shamokin, PA, Washingtonville, PA, Mount Carmel, PA, Montandon, PA, Atlas, PA, Fairview-Ferndale, PA, Marshallton, PA, McClure, PA, Kulpmont, PA, Edgewood, PA, and Port Trevorton, PA. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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