Top Mortgage Lenders in Erie, PA

Which mortgage lender in the Erie, 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 Erie, 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 Erie, PA area is Widget Federal Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.25%. This means that Widget Federal Credit Union provided a -0.25% lower interest rate for its customers than other lenders in Erie, PA for a similar set of borrowers. Widget Federal Credit Union has a market share of 3.0%. On the other hand, the most popular lender in the market is Northwest Bank, with a market share of 20.2%. Northwest Bank is also a relatively cheap lender, with a “Rate Difference” of -0.16% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Erie, 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 Erie, PA is Widget Federal Credit Union. 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 Northwest Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is M&T Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Erie, PA

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Widget Federal Credit Union 1, -0.25% 2.99%
Pa State Employees Cu 2, -0.21% 1.34%
Northwest Bank 3, -0.16% 20.22%
Howard Hanna Mortgage Services 4, -0.10% 2.07%
M&T Bank 5, -0.06% 3.32%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 6, -0.05% 1.89%
Citizens Bank 7, -0.05% 1.52%
Equity Resources Inc 8, -0.05% 1.03%
OwnersChoice Funding, Inc 9, -0.04% 0.56%
Marquette Savings Bank 10, -0.02% 9.05%
Usaa Federal Savings Bank 11, -0.01% 0.98%
Princeton Mortgage Corporation 12, -0.01% 0.92%
Navy Federal Credit Union 13, -0.01% 0.80%
Home Point Financial Corporation 14, -0.01% 1.27%
The Farmers National Bank of Emlenton 15, -0.01% 0.96%
Plaza Home Mortgage Inc 16, 0.01% 1.85%
Flagstar Bank 17, 0.01% 2.61%
Huntington National Bank 18, 0.01% 0.83%
LoanDepot 19, 0.02% 0.63%
Wells Fargo Bank 20, 0.02% 1.41%
Nationstar Mortgage 21, 0.05% 0.91%
KeyBank National Association 22, 0.05% 1.96%
Tidewater Mortgage Services Inc 23, 0.05% 3.01%
Pnc Bank 24, 0.06% 7.60%
CNB Bank 25, 0.08% 3.54%
Union Home Mortgage Company 26, 0.08% 2.01%
First National Bank of Pennsylvania 27, 0.10% 4.48%
Primelending 28, 0.11% 0.85%
Movement Mortgage 29, 0.13% 2.94%
Quicken Loans 30, 0.16% 11.10%
Community Bank 31, 0.23% 5.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northwest Bank 1, -0.19% 18.97%
Pa State Employees Cu 2, -0.13% 0.95%
Widget Federal Credit Union 3, -0.11% 1.27%
Howard Hanna Mortgage Services 4, -0.10% 3.34%
The Farmers National Bank of Emlenton 5, -0.09% 0.59%
M&T Bank 6, -0.07% 4.96%
Citizens Bank 7, -0.07% 1.74%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 8, -0.07% 2.72%
Equity Resources Inc 9, -0.06% 1.45%
OwnersChoice Funding, Inc 10, -0.06% 0.44%
Pnc Bank 11, -0.05% 3.57%
Wells Fargo Bank 12, -0.03% 1.62%
Usaa Federal Savings Bank 13, -0.02% 1.42%
Princeton Mortgage Corporation 14, -0.02% 1.48%
Home Point Financial Corporation 15, -0.02% 1.77%
Navy Federal Credit Union 16, -0.02% 1.18%
Huntington National Bank 17, -0.01% 0.62%
CNB Bank 18, -0.01% 2.72%
Plaza Home Mortgage Inc 19, 0.00% 2.90%
Flagstar Bank 20, 0.00% 4.11%
KeyBank National Association 21, 0.01% 1.60%
LoanDepot 22, 0.03% 0.09%
Nationstar Mortgage 23, 0.03% 0.77%
First National Bank of Pennsylvania 24, 0.05% 2.51%
Tidewater Mortgage Services Inc 25, 0.05% 4.79%
Union Home Mortgage Company 26, 0.08% 3.04%
Marquette Savings Bank 27, 0.09% 8.24%
Primelending 28, 0.10% 1.39%
Movement Mortgage 29, 0.13% 4.55%
Quicken Loans 30, 0.19% 9.54%
Community Bank 31, 0.26% 5.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Widget Federal Credit Union 1, -0.29% 5.73%
Pa State Employees Cu 2, -0.26% 1.97%
Marquette Savings Bank 3, -0.16% 10.33%
Northwest Bank 4, -0.13% 22.22%
OwnersChoice Funding, Inc 5, -0.01% 0.75%
Movement Mortgage 6, -0.01% 0.38%
M&T Bank 7, -0.01% 0.70%
Citizens Bank 8, -0.00% 1.17%
Union Home Mortgage Company 9, 0.00% 0.38%
Navy Federal Credit Union 10, 0.01% 0.19%
Equity Resources Inc 11, 0.01% 0.38%
Tidewater Mortgage Services Inc 12, 0.02% 0.19%
Flagstar Bank 13, 0.03% 0.23%
Usaa Federal Savings Bank 14, 0.03% 0.28%
Howard Hanna Mortgage Services 15, 0.03% 0.05%
Home Point Financial Corporation 16, 0.03% 0.47%
Princeton Mortgage Corporation 17, 0.03% 0.05%
LoanDepot 18, 0.04% 1.50%
Huntington National Bank 19, 0.04% 1.17%
Plaza Home Mortgage Inc 20, 0.04% 0.19%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 21, 0.04% 0.56%
The Farmers National Bank of Emlenton 22, 0.05% 1.55%
Nationstar Mortgage 23, 0.07% 1.13%
KeyBank National Association 24, 0.09% 2.54%
Pnc Bank 25, 0.11% 14.00%
First National Bank of Pennsylvania 26, 0.13% 7.61%
Wells Fargo Bank 27, 0.14% 1.08%
Quicken Loans 28, 0.14% 13.57%
CNB Bank 29, 0.16% 4.84%
Community Bank 30, 0.16% 4.79%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Widget Federal Credit Union 1, -0.25% 3.77%
Pa State Employees Cu 2, -0.20% 1.69%
Northwest Bank 3, -0.16% 25.36%
Howard Hanna Mortgage Services 4, -0.12% 1.67%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 5, -0.07% 1.64%
Citizens Bank 6, -0.06% 1.30%
Equity Resources Inc 7, -0.05% 0.69%
OwnersChoice Funding, Inc 8, -0.04% 0.71%
M&T Bank 9, -0.02% 2.79%
Marquette Savings Bank 10, -0.02% 11.33%
Princeton Mortgage Corporation 11, -0.01% 0.87%
The Farmers National Bank of Emlenton 12, -0.01% 1.21%
Huntington National Bank 13, 0.02% 0.87%
Wells Fargo Bank 14, 0.03% 1.58%
LoanDepot 15, 0.04% 0.32%
Usaa Federal Savings Bank 16, 0.05% 0.30%
KeyBank National Association 17, 0.06% 2.12%
Nationstar Mortgage 18, 0.06% 0.27%
Pnc Bank 19, 0.07% 9.05%
Union Home Mortgage Company 20, 0.07% 1.49%
Primelending 21, 0.07% 0.48%
Home Point Financial Corporation 22, 0.08% 0.41%
CNB Bank 23, 0.08% 4.32%
Plaza Home Mortgage Inc 24, 0.09% 0.34%
Tidewater Mortgage Services Inc 25, 0.10% 1.78%
First National Bank of Pennsylvania 26, 0.11% 5.30%
Flagstar Bank 27, 0.12% 1.67%
Movement Mortgage 28, 0.13% 2.56%
Navy Federal Credit Union 29, 0.17% 0.41%
Community Bank 30, 0.23% 6.72%
Quicken Loans 31, 0.26% 6.99%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northwest Bank 1, -0.19% 25.90%
Pa State Employees Cu 2, -0.13% 1.30%
Howard Hanna Mortgage Services 3, -0.13% 2.91%
Widget Federal Credit Union 4, -0.11% 1.74%
Citizens Bank 5, -0.09% 1.46%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 6, -0.09% 2.55%
The Farmers National Bank of Emlenton 7, -0.09% 0.81%
Equity Resources Inc 8, -0.07% 1.01%
OwnersChoice Funding, Inc 9, -0.06% 0.61%
Pnc Bank 10, -0.05% 4.05%
M&T Bank 11, -0.03% 4.41%
Wells Fargo Bank 12, -0.03% 1.86%
Princeton Mortgage Corporation 13, -0.03% 1.50%
CNB Bank 14, -0.01% 3.72%
Huntington National Bank 15, -0.00% 0.61%
KeyBank National Association 16, 0.02% 1.74%
LoanDepot 17, 0.03% 0.08%
Nationstar Mortgage 18, 0.03% 0.12%
Usaa Federal Savings Bank 19, 0.04% 0.53%
Primelending 20, 0.06% 0.85%
First National Bank of Pennsylvania 21, 0.06% 2.87%
Union Home Mortgage Company 22, 0.07% 2.39%
Home Point Financial Corporation 23, 0.08% 0.57%
Plaza Home Mortgage Inc 24, 0.09% 0.57%
Tidewater Mortgage Services Inc 25, 0.09% 3.08%
Marquette Savings Bank 26, 0.10% 11.17%
Flagstar Bank 27, 0.12% 2.79%
Movement Mortgage 28, 0.14% 4.25%
Navy Federal Credit Union 29, 0.17% 0.69%
Community Bank 30, 0.26% 7.77%
Quicken Loans 31, 0.27% 6.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Widget Federal Credit Union 1, -0.29% 6.40%
Pa State Employees Cu 2, -0.25% 2.20%
Marquette Savings Bank 3, -0.16% 11.54%
Northwest Bank 4, -0.13% 24.66%
Movement Mortgage 5, -0.02% 0.37%
M&T Bank 6, -0.01% 0.68%
OwnersChoice Funding, Inc 7, -0.01% 0.84%
Citizens Bank 8, -0.01% 1.10%
Union Home Mortgage Company 9, -0.01% 0.31%
Tidewater Mortgage Services Inc 10, 0.00% 0.10%
Navy Federal Credit Union 11, 0.02% 0.05%
Equity Resources Inc 12, 0.02% 0.26%
Plaza Home Mortgage Inc 13, 0.02% 0.05%
Flagstar Bank 14, 0.03% 0.21%
Howard Hanna Mortgage Services 15, 0.03% 0.05%
Princeton Mortgage Corporation 16, 0.03% 0.05%
Home Point Financial Corporation 17, 0.04% 0.21%
Huntington National Bank 18, 0.04% 1.21%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 19, 0.05% 0.47%
LoanDepot 20, 0.05% 0.63%
The Farmers National Bank of Emlenton 21, 0.05% 1.73%
Nationstar Mortgage 22, 0.08% 0.47%
KeyBank National Association 23, 0.10% 2.62%
Pnc Bank 24, 0.12% 15.53%
First National Bank of Pennsylvania 25, 0.14% 8.45%
Wells Fargo Bank 26, 0.14% 1.21%
Community Bank 27, 0.17% 5.35%
CNB Bank 28, 0.17% 5.09%
Quicken Loans 29, 0.25% 8.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
M&T Bank 1, -0.16% 6.57%
Flagstar Bank 2, -0.14% 7.06%
Home Point Financial Corporation 3, -0.07% 4.74%
Pnc Bank 4, -0.07% 1.95%
Howard Hanna Mortgage Services 5, -0.07% 4.01%
Equity Resources Inc 6, -0.07% 2.80%
First National Bank of Pennsylvania 7, -0.06% 0.97%
Citizens Bank 8, -0.04% 2.19%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 9, -0.03% 2.55%
Huntington National Bank 10, -0.03% 0.73%
Plaza Home Mortgage Inc 11, -0.03% 8.76%
KeyBank National Association 12, -0.03% 0.61%
Princeton Mortgage Corporation 13, -0.02% 1.22%
Tidewater Mortgage Services Inc 14, -0.00% 9.12%
Navy Federal Credit Union 15, 0.01% 0.12%
LoanDepot 16, 0.02% 0.73%
Nationstar Mortgage 17, 0.03% 3.04%
Wells Fargo Bank 18, 0.04% 0.24%
Quicken Loans 19, 0.06% 30.90%
Union Home Mortgage Company 20, 0.09% 3.89%
Primelending 21, 0.14% 2.80%
Movement Mortgage 22, 0.14% 4.99%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
M&T Bank 1, -0.17% 7.48%
Flagstar Bank 2, -0.14% 8.35%
Pnc Bank 3, -0.08% 2.16%
Equity Resources Inc 4, -0.08% 2.88%
Home Point Financial Corporation 5, -0.08% 5.47%
Howard Hanna Mortgage Services 6, -0.07% 4.75%
First National Bank of Pennsylvania 7, -0.06% 1.15%
Huntington National Bank 8, -0.05% 0.58%
Citizens Bank 9, -0.05% 2.30%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 10, -0.04% 2.88%
KeyBank National Association 11, -0.04% 0.58%
Plaza Home Mortgage Inc 12, -0.03% 10.22%
Princeton Mortgage Corporation 13, -0.03% 1.44%
Tidewater Mortgage Services Inc 14, -0.00% 10.65%
Navy Federal Credit Union 15, 0.01% 0.14%
Nationstar Mortgage 16, 0.02% 2.30%
LoanDepot 17, 0.02% 0.14%
Wells Fargo Bank 18, 0.04% 0.29%
Union Home Mortgage Company 19, 0.09% 4.60%
Quicken Loans 20, 0.11% 22.45%
Primelending 21, 0.14% 3.31%
Movement Mortgage 22, 0.14% 5.90%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.01% 77.17%
Equity Resources Inc 2, -0.00% 2.36%
KeyBank National Association 3, 0.00% 0.79%
Plaza Home Mortgage Inc 4, 0.01% 0.79%
M&T Bank 5, 0.01% 1.57%
Huntington National Bank 6, 0.01% 1.57%
Home Point Financial Corporation 7, 0.01% 0.79%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 8, 0.02% 0.79%
Tidewater Mortgage Services Inc 9, 0.02% 0.79%
Pnc Bank 10, 0.03% 0.79%
LoanDepot 11, 0.03% 3.94%
Citizens Bank 12, 0.06% 1.57%
Nationstar Mortgage 13, 0.07% 7.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northwest Bank 1, -0.01% 7.14%
First National Bank of Pennsylvania 2, -0.01% 17.86%
Marquette Savings Bank 3, -0.00% 10.71%
Wells Fargo Bank 4, -0.00% 7.14%
KeyBank National Association 5, -0.00% 21.43%
Huntington National Bank 6, -0.00% 7.14%
M&T Bank 7, 0.00% 3.57%
Pnc Bank 8, 0.01% 3.57%
CNB Bank 9, 0.02% 21.43%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First National Bank of Pennsylvania 1, -0.01% 25.00%
KeyBank National Association 2, -0.00% 18.75%
Marquette Savings Bank 3, -0.00% 18.75%
Wells Fargo Bank 4, 0.00% 12.50%
Huntington National Bank 5, 0.00% 12.50%
M&T Bank 6, 0.01% 6.25%
Pnc Bank 7, 0.01% 6.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First National Bank of Pennsylvania 1, -0.02% 8.33%
Northwest Bank 2, -0.02% 16.67%
KeyBank National Association 3, -0.00% 25.00%
CNB Bank 4, 0.01% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.15% 8.71%
Usaa Federal Savings Bank 2, -0.04% 14.29%
Howard Hanna Mortgage Services 3, -0.04% 2.79%
M&T Bank 4, -0.03% 2.09%
Wells Fargo Bank 5, -0.03% 1.74%
First National Bank of Pennsylvania 6, -0.03% 0.70%
Citizens Bank 7, -0.02% 3.14%
Pnc Bank 8, -0.00% 2.09%
LoanDepot 9, -0.00% 5.23%
Flagstar Bank 10, 0.00% 4.53%
Equity Resources Inc 11, 0.00% 1.39%
KeyBank National Association 12, 0.00% 1.39%
Northwest Bank 13, 0.00% 1.05%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 14, 0.01% 3.83%
Home Point Financial Corporation 15, 0.01% 4.53%
Nationstar Mortgage 16, 0.03% 4.53%
Primelending 17, 0.03% 1.05%
Princeton Mortgage Corporation 18, 0.03% 1.05%
Movement Mortgage 19, 0.04% 3.14%
Tidewater Mortgage Services Inc 20, 0.04% 4.53%
Quicken Loans 21, 0.05% 18.12%
Plaza Home Mortgage Inc 22, 0.06% 5.23%
Union Home Mortgage Company 23, 0.08% 4.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.16% 10.84%
Usaa Federal Savings Bank 2, -0.04% 17.24%
Howard Hanna Mortgage Services 3, -0.03% 3.94%
M&T Bank 4, -0.03% 2.96%
Wells Fargo Bank 5, -0.02% 2.46%
First National Bank of Pennsylvania 6, -0.02% 0.99%
Citizens Bank 7, -0.02% 3.45%
Pnc Bank 8, -0.00% 2.46%
Northwest Bank 9, 0.00% 0.99%
Flagstar Bank 10, 0.01% 5.91%
Equity Resources Inc 11, 0.01% 1.97%
KeyBank National Association 12, 0.01% 1.97%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 13, 0.01% 4.43%
Home Point Financial Corporation 14, 0.03% 3.94%
Primelending 15, 0.03% 1.48%
Princeton Mortgage Corporation 16, 0.04% 1.48%
Nationstar Mortgage 17, 0.04% 3.45%
Movement Mortgage 18, 0.05% 3.94%
Tidewater Mortgage Services Inc 19, 0.05% 5.91%
Plaza Home Mortgage Inc 20, 0.07% 6.40%
Union Home Mortgage Company 21, 0.10% 5.91%
Quicken Loans 22, 0.10% 7.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.03% 3.57%
LoanDepot 2, -0.02% 17.86%
Home Point Financial Corporation 3, -0.01% 5.95%
Tidewater Mortgage Services Inc 4, -0.01% 1.19%
Usaa Federal Savings Bank 5, -0.01% 7.14%
Pnc Bank 6, -0.01% 1.19%
Nationstar Mortgage 7, -0.00% 7.14%
Citizens Bank 8, -0.00% 2.38%
Flagstar Bank 9, -0.00% 1.19%
Northwest Bank 10, -0.00% 1.19%
Movement Mortgage 11, -0.00% 1.19%
Affordable Mortgage Advisors LLC DBA – Holland Mortgage 12, 0.00% 2.38%
Union Home Mortgage Company 13, 0.01% 2.38%
Quicken Loans 14, 0.01% 42.86%
Plaza Home Mortgage Inc 15, 0.02% 2.38%

* Data is compiled for the Erie, PA commuting zone area, which comprises of counties of Chautauqua County, NY, Clarion County, PA, Crawford County, PA, Erie County, PA, Forest County, PA, Venango County, PA, and Warren County, PA. This includes cities/towns/communities of Erie, PA as well as Jamestown, NY, Meadville, PA, Northwest Harborcreek, PA, Fredonia, NY, Warren, PA, Fairview, PA, Waterford, PA, Avonia, PA, Girard, PA, McKean, PA, Conneaut Lakeshore, PA, Canadohta Lake, PA, Fredericksburg, PA, Platea, PA, Lawrence Park, PA, Dunkirk, NY, Polk, PA, Cochranton, PA, Bemus Point, NY, Sinclairville, NY, Lakewood, NY, Columbus, PA, Edinboro, PA, Russell, PA, Panama, NY, Oil City, PA, Sugarcreek, PA, Pymatuning Central, PA, Corry, PA, Blooming Valley, PA, Sherman, NY, Franklin, PA, Mayville, NY, North East, PA, Frewsburg, NY, Hasson Heights, PA, Saegertown, PA, North Warren, PA, Falconer, NY, Silver Creek, NY, Wesleyville, PA, Wattsburg, PA, Woodland Heights, PA, Ripley, NY, Westfield, NY, Marianne, PA, Clintonville, PA, Seneca, PA, Cooperstown, PA, and Youngsville, 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.

Mortgage Lender Rankings for Other Cities

This page ranks the top mortgage lenders in the Erie, PA area. For mortgage lender rankings of other cities, click here.