Top Mortgage Lenders in the Lancaster, PA area

Which mortgage lender in the Lancaster, 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 Lancaster, 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 Lancaster, PA area is Pa State Employees Cu, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.38%. This means that Pa State Employees Cu provided a -0.38% lower interest rate for its customers than other lenders in Lancaster, PA for a similar set of borrowers. Pa State Employees Cu has a market share of 3.1%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 8.4%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.18% relative to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed rankings of the mortgage lenders for the Lancaster, 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 Lancaster, 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 Bank of America. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Members 1st Federal Credit Union. The cheapest VA mortgage provider is Navy Federal Credit Union. 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, -0.38% 3.09%
Firstrust Bank 2, -0.18% 0.26%
Mid Penn Bank 3, -0.16% 0.96%
Northwest Bank 4, -0.15% 1.61%
Provident Funding Associates 5, -0.14% 0.25%
Home Point Financial Corporation 6, -0.13% 1.68%
Members 1st Federal Credit Union 7, -0.11% 5.59%
M&T Bank 8, -0.11% 1.37%
Bank of America 9, -0.11% 0.73%
Amerisave Mortgage Corporation 10, -0.10% 0.44%
Santander Bank 11, -0.10% 0.94%
Keller Mortgage 12, -0.09% 0.25%
McLean Mortgage Corporation 13, -0.09% 0.29%
Citizens Bank 14, -0.09% 2.67%
Newrez 15, -0.09% 0.87%
Pennymac Loan Services 16, -0.07% 0.47%
PeoplesBank, A Codorus Valley Company 17, -0.07% 0.62%
Arc Home 18, -0.07% 0.22%
Howard Hanna Mortgage Services 19, -0.06% 0.59%
York Traditions Bank 20, -0.05% 3.17%
Bay Capital Mortgage Corporation 21, -0.05% 0.17%
S&T Bank 22, -0.05% 0.67%
Truist Bank 23, -0.05% 1.29%
Fulton Bank 24, -0.05% 6.07%
Guaranteed Rate Affinity 25, -0.04% 0.43%
First National Bank of Pennsylvania 26, -0.04% 1.36%
Meridian Bank 27, -0.04% 0.53%
Navy Federal Credit Union 28, -0.04% 1.15%
Mortgage America, Inc 29, -0.03% 1.16%
E Mortgage Management 30, -0.03% 1.34%
TowneBank 31, -0.03% 0.14%
LoanDepot 32, -0.03% 2.09%
Us Bank 33, -0.02% 0.26%
Orrstown Bank 34, -0.02% 1.45%
Citadel Federal Credit Union 35, -0.02% 0.19%
Cardinal Financial Company LP 36, -0.02% 0.29%
Lakeview Loan Servicing 37, -0.01% 0.24%
Homestead Funding Corp 38, -0.01% 0.33%
NFM, Inc 39, -0.01% 0.96%
Acnb Bank 40, -0.01% 0.89%
Foote Capital Mortgage Company 41, -0.00% 0.48%
Pnc Bank 42, -0.00% 3.15%
Sierra Pacific Mortgage 43, -0.00% 0.48%
Primelending 44, -0.00% 0.59%
HomeSale Mortgage 45, 0.00% 2.20%
JPMorgan Chase Bank 46, 0.00% 0.67%
Suntrust Banks, Inc 47, 0.01% 0.25%
Northpointe Bank 48, 0.01% 1.41%
Embrace Home Loans, Inc 49, 0.02% 0.14%
The Ephrata National Bank 50, 0.02% 0.98%
New American Funding 51, 0.02% 0.92%
Stearns Lending 52, 0.02% 0.28%
Usaa Federal Savings Bank 53, 0.02% 1.09%
Wells Fargo Bank 54, 0.02% 4.27%
Caliber Home Loans Inc 55, 0.03% 2.28%
Carrington Mortgage Services 56, 0.03% 0.65%
Prosperity Home Mortgage 57, 0.03% 0.15%
HomeBridge Financial Services, Inc 58, 0.03% 1.09%
JG Wentworth Home Lending 59, 0.04% 0.23%
Fairway Independent Mort Corp 60, 0.04% 2.44%
Residential Mortgage Services 61, 0.04% 5.33%
Guaranteed Rate Inc 62, 0.04% 0.93%
Tidewater Mortgage Services Inc 63, 0.05% 0.75%
Colonial Savings 64, 0.05% 0.14%
Flagstar Bank 65, 0.05% 0.53%
Union Home Mortgage Company 66, 0.06% 0.85%
Paramount Residential Mortgage Group Inc 67, 0.06% 0.20%
Movement Mortgage 68, 0.06% 1.92%
Reliance First Capital 69, 0.06% 0.22%
Nationstar Mortgage 70, 0.08% 1.85%
Freedom Mortgage Corporation 71, 0.08% 0.46%
Ditech Financial 72, 0.08% 0.26%
Primary Residential Mortgage Inc 73, 0.10% 0.21%
Mortgage Network, Inc 74, 0.10% 1.60%
Royal United Mortgage 75, 0.11% 0.15%
The Federal Savings Bank 76, 0.12% 0.18%
Barrington Bank & Trust 77, 0.13% 0.14%
Finance of America Mortgage 78, 0.13% 0.49%
Allied Mortgage Group Inc 79, 0.14% 0.27%
Pacific Union Financial 80, 0.14% 0.12%
First Alliance Home Mortgage 81, 0.14% 0.25%
Mortgage One Solutions, Inc 82, 0.15% 0.16%
Homespire Mortgage Corporation 83, 0.15% 0.64%
Quicken Loans 84, 0.18% 8.44%
NVR Mortgage Finance Inc 85, 0.20% 0.51%
GMH Mortgage Services 86, 0.38% 2.36%
NewDay USA 87, 0.43% 0.27%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.32% 1.82%
M&T Bank 2, -0.18% 1.28%
Members 1st Federal Credit Union 3, -0.17% 5.93%
Mid Penn Bank 4, -0.15% 1.07%
Bank of America 5, -0.14% 0.75%
Home Point Financial Corporation 6, -0.13% 1.85%
Pnc Bank 7, -0.10% 1.37%
McLean Mortgage Corporation 8, -0.10% 0.38%
Northwest Bank 9, -0.10% 0.87%
Keller Mortgage 10, -0.09% 0.35%
First National Bank of Pennsylvania 11, -0.09% 0.67%
Arc Home 12, -0.08% 0.22%
Provident Funding Associates 13, -0.07% 0.10%
JPMorgan Chase Bank 14, -0.06% 0.44%
Truist Bank 15, -0.06% 1.13%
Wells Fargo Bank 16, -0.06% 4.14%
Howard Hanna Mortgage Services 17, -0.06% 0.85%
Newrez 18, -0.06% 0.62%
Citizens Bank 19, -0.06% 2.58%
PeoplesBank, A Codorus Valley Company 20, -0.06% 0.58%
Bay Capital Mortgage Corporation 21, -0.05% 0.21%
Us Bank 22, -0.05% 0.18%
Guaranteed Rate Affinity 23, -0.04% 0.61%
Santander Bank 24, -0.04% 0.44%
E Mortgage Management 25, -0.04% 1.76%
Orrstown Bank 26, -0.04% 1.68%
Firstrust Bank 27, -0.04% 0.08%
Fulton Bank 28, -0.04% 7.69%
Meridian Bank 29, -0.03% 0.67%
York Traditions Bank 30, -0.03% 3.90%
Mortgage America, Inc 31, -0.03% 1.52%
TowneBank 32, -0.03% 0.19%
S&T Bank 33, -0.03% 0.75%
Navy Federal Credit Union 34, -0.03% 1.46%
Cardinal Financial Company LP 35, -0.03% 0.25%
NFM, Inc 36, -0.02% 1.07%
Nationstar Mortgage 37, -0.02% 1.30%
Pennymac Loan Services 38, -0.02% 0.07%
Citadel Federal Credit Union 39, -0.01% 0.10%
LoanDepot 40, -0.01% 1.48%
Sierra Pacific Mortgage 41, -0.01% 0.61%
Acnb Bank 42, -0.00% 0.68%
Primelending 43, 0.00% 0.76%
HomeSale Mortgage 44, 0.00% 3.22%
Lakeview Loan Servicing 45, 0.01% 0.01%
Suntrust Banks, Inc 46, 0.01% 0.16%
Northpointe Bank 47, 0.01% 1.98%
Amerisave Mortgage Corporation 48, 0.01% 0.02%
New American Funding 49, 0.01% 1.02%
The Federal Savings Bank 50, 0.02% 0.01%
Freedom Mortgage Corporation 51, 0.02% 0.25%
Stearns Lending 52, 0.02% 0.37%
Embrace Home Loans, Inc 53, 0.03% 0.10%
Ditech Financial 54, 0.03% 0.03%
Foote Capital Mortgage Company 55, 0.03% 0.50%
Prosperity Home Mortgage 56, 0.03% 0.22%
Usaa Federal Savings Bank 57, 0.04% 1.36%
HomeBridge Financial Services, Inc 58, 0.04% 1.35%
Reliance First Capital 59, 0.04% 0.04%
The Ephrata National Bank 60, 0.05% 0.98%
Caliber Home Loans Inc 61, 0.05% 2.64%
Fairway Independent Mort Corp 62, 0.05% 3.11%
Residential Mortgage Services 63, 0.05% 7.31%
Colonial Savings 64, 0.05% 0.17%
Tidewater Mortgage Services Inc 65, 0.05% 1.07%
Flagstar Bank 66, 0.06% 0.59%
JG Wentworth Home Lending 67, 0.06% 0.18%
Guaranteed Rate Inc 68, 0.07% 1.19%
Homestead Funding Corp 69, 0.07% 0.23%
Paramount Residential Mortgage Group Inc 70, 0.07% 0.14%
Movement Mortgage 71, 0.07% 2.69%
Union Home Mortgage Company 72, 0.08% 1.02%
Carrington Mortgage Services 73, 0.09% 0.15%
Primary Residential Mortgage Inc 74, 0.11% 0.29%
NewDay USA 75, 0.11% 0.05%
Mortgage Network, Inc 76, 0.11% 2.27%
Quicken Loans 77, 0.12% 3.90%
Royal United Mortgage 78, 0.14% 0.06%
Barrington Bank & Trust 79, 0.14% 0.18%
Finance of America Mortgage 80, 0.15% 0.65%
First Alliance Home Mortgage 81, 0.16% 0.35%
Mortgage One Solutions, Inc 82, 0.17% 0.21%
Homespire Mortgage Corporation 83, 0.17% 0.87%
Pacific Union Financial 84, 0.18% 0.12%
Allied Mortgage Group Inc 85, 0.19% 0.31%
NVR Mortgage Finance Inc 86, 0.20% 0.78%
GMH Mortgage Services 87, 0.39% 3.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.43% 5.54%
Firstrust Bank 2, -0.22% 0.60%
Northwest Bank 3, -0.19% 3.02%
Provident Funding Associates 4, -0.17% 0.54%
Mid Penn Bank 5, -0.17% 0.75%
York Traditions Bank 6, -0.14% 1.74%
Citizens Bank 7, -0.14% 2.84%
Santander Bank 8, -0.13% 1.92%
Amerisave Mortgage Corporation 9, -0.11% 1.26%
Newrez 10, -0.11% 1.35%
Home Point Financial Corporation 11, -0.11% 1.35%
Fulton Bank 12, -0.10% 2.95%
S&T Bank 13, -0.10% 0.52%
PeoplesBank, A Codorus Valley Company 14, -0.09% 0.71%
Pennymac Loan Services 15, -0.08% 1.24%
Navy Federal Credit Union 16, -0.08% 0.54%
Homestead Funding Corp 17, -0.08% 0.53%
Foote Capital Mortgage Company 18, -0.07% 0.44%
Guaranteed Rate Inc 19, -0.06% 0.41%
Usaa Federal Savings Bank 20, -0.06% 0.57%
Meridian Bank 21, -0.06% 0.26%
Mortgage America, Inc 22, -0.05% 0.46%
Residential Mortgage Services 23, -0.05% 1.50%
Arc Home 24, -0.05% 0.21%
LoanDepot 25, -0.05% 3.27%
Caliber Home Loans Inc 26, -0.04% 1.58%
The Ephrata National Bank 27, -0.04% 0.98%
Citadel Federal Credit Union 28, -0.03% 0.35%
Truist Bank 29, -0.03% 1.59%
Bay Capital Mortgage Corporation 30, -0.03% 0.11%
Howard Hanna Mortgage Services 31, -0.03% 0.09%
Union Home Mortgage Company 32, -0.03% 0.54%
Fairway Independent Mort Corp 33, -0.03% 1.15%
Bank of America 34, -0.03% 0.70%
Movement Mortgage 35, -0.02% 0.43%
First National Bank of Pennsylvania 36, -0.02% 2.68%
Keller Mortgage 37, -0.02% 0.05%
Lakeview Loan Servicing 38, -0.02% 0.68%
Allied Mortgage Group Inc 39, -0.02% 0.19%
TowneBank 40, -0.02% 0.06%
HomeBridge Financial Services, Inc 41, -0.01% 0.59%
First Alliance Home Mortgage 42, -0.01% 0.05%
Guaranteed Rate Affinity 43, -0.01% 0.08%
Acnb Bank 44, -0.01% 1.29%
Us Bank 45, -0.01% 0.41%
Tidewater Mortgage Services Inc 46, -0.01% 0.14%
M&T Bank 47, -0.00% 1.56%
Cardinal Financial Company LP 48, -0.00% 0.37%
Homespire Mortgage Corporation 49, -0.00% 0.19%
McLean Mortgage Corporation 50, -0.00% 0.12%
Primary Residential Mortgage Inc 51, -0.00% 0.06%
Stearns Lending 52, 0.00% 0.09%
Suntrust Banks, Inc 53, 0.00% 0.41%
JG Wentworth Home Lending 54, 0.01% 0.32%
Northpointe Bank 55, 0.01% 0.30%
Primelending 56, 0.01% 0.26%
Embrace Home Loans, Inc 57, 0.01% 0.20%
Prosperity Home Mortgage 58, 0.01% 0.01%
Carrington Mortgage Services 59, 0.01% 1.63%
Mortgage One Solutions, Inc 60, 0.01% 0.06%
Finance of America Mortgage 61, 0.01% 0.16%
Mortgage Network, Inc 62, 0.02% 0.30%
HomeSale Mortgage 63, 0.02% 0.21%
Orrstown Bank 64, 0.02% 1.01%
E Mortgage Management 65, 0.03% 0.53%
Members 1st Federal Credit Union 66, 0.03% 4.92%
New American Funding 67, 0.03% 0.73%
NFM, Inc 68, 0.03% 0.74%
Pnc Bank 69, 0.04% 6.59%
Sierra Pacific Mortgage 70, 0.04% 0.22%
Flagstar Bank 71, 0.04% 0.41%
Barrington Bank & Trust 72, 0.04% 0.05%
Paramount Residential Mortgage Group Inc 73, 0.04% 0.32%
JPMorgan Chase Bank 74, 0.05% 1.11%
Reliance First Capital 75, 0.06% 0.57%
Colonial Savings 76, 0.07% 0.07%
Pacific Union Financial 77, 0.08% 0.13%
Ditech Financial 78, 0.08% 0.70%
Royal United Mortgage 79, 0.10% 0.32%
The Federal Savings Bank 80, 0.11% 0.52%
Freedom Mortgage Corporation 81, 0.12% 0.88%
GMH Mortgage Services 82, 0.16% 0.39%
Wells Fargo Bank 83, 0.17% 4.51%
Nationstar Mortgage 84, 0.17% 2.93%
Quicken Loans 85, 0.20% 17.22%
NewDay USA 86, 0.48% 0.68%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.38% 4.35%
Firstrust Bank 2, -0.19% 0.35%
Northwest Bank 3, -0.16% 2.22%
Mid Penn Bank 4, -0.16% 1.34%
Amerisave Mortgage Corporation 5, -0.14% 0.47%
Provident Funding Associates 6, -0.14% 0.35%
Bank of America 7, -0.12% 0.87%
LoanDepot 8, -0.11% 1.70%
Newrez 9, -0.10% 0.94%
Santander Bank 10, -0.10% 1.29%
Citizens Bank 11, -0.10% 3.09%
Keller Mortgage 12, -0.10% 0.25%
McLean Mortgage Corporation 13, -0.08% 0.24%
Arc Home 14, -0.07% 0.27%
Howard Hanna Mortgage Services 15, -0.07% 0.53%
PeoplesBank, A Codorus Valley Company 16, -0.07% 0.88%
M&T Bank 17, -0.06% 1.37%
Truist Bank 18, -0.05% 1.68%
Bay Capital Mortgage Corporation 19, -0.05% 0.24%
S&T Bank 20, -0.05% 0.93%
Guaranteed Rate Affinity 21, -0.05% 0.35%
Meridian Bank 22, -0.05% 0.53%
York Traditions Bank 23, -0.04% 3.48%
First National Bank of Pennsylvania 24, -0.04% 1.67%
Carrington Mortgage Services 25, -0.04% 0.24%
Members 1st Federal Credit Union 26, -0.04% 6.34%
Home Point Financial Corporation 27, -0.04% 1.14%
TowneBank 28, -0.03% 0.12%
E Mortgage Management 29, -0.03% 1.02%
NFM, Inc 30, -0.03% 0.68%
Foote Capital Mortgage Company 31, -0.03% 0.46%
Us Bank 32, -0.03% 0.33%
Fulton Bank 33, -0.03% 7.39%
Mortgage America, Inc 34, -0.03% 1.17%
Citadel Federal Credit Union 35, -0.02% 0.26%
Homestead Funding Corp 36, -0.02% 0.40%
New American Funding 37, -0.01% 0.82%
Acnb Bank 38, -0.00% 1.24%
Cardinal Financial Company LP 39, -0.00% 0.17%
Orrstown Bank 40, -0.00% 1.70%
Pnc Bank 41, 0.00% 4.18%
JPMorgan Chase Bank 42, 0.00% 0.92%
Suntrust Banks, Inc 43, 0.01% 0.29%
Mortgage Network, Inc 44, 0.01% 1.27%
Fairway Independent Mort Corp 45, 0.01% 2.40%
Guaranteed Rate Inc 46, 0.02% 0.82%
JG Wentworth Home Lending 47, 0.02% 0.20%
The Federal Savings Bank 48, 0.02% 0.02%
The Ephrata National Bank 49, 0.02% 1.27%
Prosperity Home Mortgage 50, 0.02% 0.15%
Lakeview Loan Servicing 51, 0.03% 0.02%
Wells Fargo Bank 52, 0.03% 5.72%
Tidewater Mortgage Services Inc 53, 0.03% 0.47%
Colonial Savings 54, 0.03% 0.10%
Primelending 55, 0.03% 0.40%
HomeSale Mortgage 56, 0.03% 1.92%
Residential Mortgage Services 57, 0.03% 4.93%
Union Home Mortgage Company 58, 0.04% 0.79%
Embrace Home Loans, Inc 59, 0.04% 0.09%
Stearns Lending 60, 0.04% 0.07%
Freedom Mortgage Corporation 61, 0.05% 0.17%
Mortgage One Solutions, Inc 62, 0.06% 0.05%
Caliber Home Loans Inc 63, 0.06% 1.92%
Paramount Residential Mortgage Group Inc 64, 0.06% 0.10%
Pennymac Loan Services 65, 0.06% 0.19%
First Alliance Home Mortgage 66, 0.07% 0.16%
HomeBridge Financial Services, Inc 67, 0.07% 0.67%
Movement Mortgage 68, 0.07% 1.33%
Usaa Federal Savings Bank 69, 0.07% 0.48%
Northpointe Bank 70, 0.08% 1.27%
Reliance First Capital 71, 0.09% 0.16%
Sierra Pacific Mortgage 72, 0.09% 0.34%
Primary Residential Mortgage Inc 73, 0.10% 0.18%
Flagstar Bank 74, 0.10% 0.43%
Barrington Bank & Trust 75, 0.11% 0.04%
Royal United Mortgage 76, 0.14% 0.16%
Homespire Mortgage Corporation 77, 0.14% 0.53%
Finance of America Mortgage 78, 0.15% 0.42%
Allied Mortgage Group Inc 79, 0.15% 0.17%
Ditech Financial 80, 0.18% 0.19%
NVR Mortgage Finance Inc 81, 0.22% 0.49%
Quicken Loans 82, 0.22% 8.39%
Navy Federal Credit Union 83, 0.28% 0.66%
GMH Mortgage Services 84, 0.40% 1.95%
Nationstar Mortgage 85, 0.43% 0.66%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.32% 2.71%
Bank of America 2, -0.17% 0.89%
LoanDepot 3, -0.16% 1.23%
Mid Penn Bank 4, -0.15% 1.59%
M&T Bank 5, -0.12% 1.26%
Pnc Bank 6, -0.11% 1.77%
First National Bank of Pennsylvania 7, -0.11% 0.74%
Keller Mortgage 8, -0.10% 0.38%
Northwest Bank 9, -0.10% 1.27%
McLean Mortgage Corporation 10, -0.10% 0.32%
Arc Home 11, -0.08% 0.31%
Newrez 12, -0.08% 0.74%
Members 1st Federal Credit Union 13, -0.08% 6.53%
Howard Hanna Mortgage Services 14, -0.07% 0.81%
Citizens Bank 15, -0.07% 2.95%
JPMorgan Chase Bank 16, -0.07% 0.61%
Provident Funding Associates 17, -0.07% 0.15%
Truist Bank 18, -0.07% 1.57%
NFM, Inc 19, -0.07% 0.76%
Us Bank 20, -0.06% 0.23%
Wells Fargo Bank 21, -0.06% 5.76%
PeoplesBank, A Codorus Valley Company 22, -0.06% 0.86%
Bay Capital Mortgage Corporation 23, -0.05% 0.31%
Guaranteed Rate Affinity 24, -0.05% 0.51%
E Mortgage Management 25, -0.05% 1.32%
Firstrust Bank 26, -0.04% 0.11%
Santander Bank 27, -0.04% 0.61%
TowneBank 28, -0.04% 0.15%
Meridian Bank 29, -0.04% 0.68%
S&T Bank 30, -0.03% 1.11%
New American Funding 31, -0.03% 0.93%
Pennymac Loan Services 32, -0.02% 0.05%
Home Point Financial Corporation 33, -0.02% 1.32%
Mortgage America, Inc 34, -0.02% 1.60%
York Traditions Bank 35, -0.02% 4.30%
Orrstown Bank 36, -0.01% 2.02%
Citadel Federal Credit Union 37, -0.01% 0.14%
Fulton Bank 38, -0.01% 9.66%
Acnb Bank 39, -0.01% 1.01%
Foote Capital Mortgage Company 40, -0.00% 0.42%
Suntrust Banks, Inc 41, 0.00% 0.18%
Freedom Mortgage Corporation 42, 0.00% 0.07%
Amerisave Mortgage Corporation 43, 0.01% 0.01%
Mortgage Network, Inc 44, 0.01% 1.84%
Colonial Savings 45, 0.01% 0.10%
Cardinal Financial Company LP 46, 0.01% 0.13%
The Federal Savings Bank 47, 0.01% 0.01%
Fairway Independent Mort Corp 48, 0.02% 3.20%
Prosperity Home Mortgage 49, 0.02% 0.23%
Ditech Financial 50, 0.03% 0.04%
Tidewater Mortgage Services Inc 51, 0.03% 0.67%
Embrace Home Loans, Inc 52, 0.03% 0.09%
HomeSale Mortgage 53, 0.03% 2.94%
Guaranteed Rate Inc 54, 0.04% 1.09%
JG Wentworth Home Lending 55, 0.04% 0.12%
Primelending 56, 0.04% 0.45%
Carrington Mortgage Services 57, 0.04% 0.01%
Residential Mortgage Services 58, 0.05% 6.97%
The Ephrata National Bank 59, 0.06% 1.31%
Paramount Residential Mortgage Group Inc 60, 0.06% 0.09%
Mortgage One Solutions, Inc 61, 0.06% 0.07%
Union Home Mortgage Company 62, 0.06% 0.90%
Nationstar Mortgage 63, 0.06% 0.11%
Reliance First Capital 64, 0.07% 0.04%
HomeBridge Financial Services, Inc 65, 0.07% 0.90%
Homestead Funding Corp 66, 0.07% 0.28%
Stearns Lending 67, 0.08% 0.05%
Caliber Home Loans Inc 68, 0.08% 2.47%
Northpointe Bank 69, 0.08% 1.92%
First Alliance Home Mortgage 70, 0.08% 0.23%
Movement Mortgage 71, 0.09% 1.88%
Usaa Federal Savings Bank 72, 0.10% 0.61%
Sierra Pacific Mortgage 73, 0.10% 0.42%
Primary Residential Mortgage Inc 74, 0.11% 0.27%
Barrington Bank & Trust 75, 0.11% 0.06%
Flagstar Bank 76, 0.12% 0.49%
Quicken Loans 77, 0.13% 3.86%
Homespire Mortgage Corporation 78, 0.15% 0.77%
Finance of America Mortgage 79, 0.16% 0.61%
Royal United Mortgage 80, 0.17% 0.06%
Allied Mortgage Group Inc 81, 0.21% 0.20%
NVR Mortgage Finance Inc 82, 0.22% 0.80%
Navy Federal Credit Union 83, 0.33% 0.89%
GMH Mortgage Services 84, 0.42% 2.89%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.43% 7.04%
Firstrust Bank 2, -0.22% 0.74%
Northwest Bank 3, -0.19% 3.77%
Provident Funding Associates 4, -0.16% 0.68%
Mid Penn Bank 5, -0.16% 0.94%
Amerisave Mortgage Corporation 6, -0.15% 1.22%
Citizens Bank 7, -0.14% 3.30%
York Traditions Bank 8, -0.14% 2.13%
Santander Bank 9, -0.12% 2.43%
Newrez 10, -0.12% 1.28%
Fulton Bank 11, -0.10% 3.65%
S&T Bank 12, -0.10% 0.64%
PeoplesBank, A Codorus Valley Company 13, -0.09% 0.91%
Homestead Funding Corp 14, -0.09% 0.61%
LoanDepot 15, -0.08% 2.49%
Guaranteed Rate Inc 16, -0.08% 0.37%
Home Point Financial Corporation 17, -0.07% 0.85%
Meridian Bank 18, -0.07% 0.28%
Foote Capital Mortgage Company 19, -0.07% 0.54%
Mortgage America, Inc 20, -0.06% 0.46%
Residential Mortgage Services 21, -0.06% 1.58%
Arc Home 22, -0.05% 0.21%
Carrington Mortgage Services 23, -0.04% 0.61%
Howard Hanna Mortgage Services 24, -0.04% 0.07%
Fairway Independent Mort Corp 25, -0.04% 1.07%
The Ephrata National Bank 26, -0.04% 1.21%
Union Home Mortgage Company 27, -0.03% 0.60%
Truist Bank 28, -0.03% 1.85%
Citadel Federal Credit Union 29, -0.03% 0.45%
Keller Mortgage 30, -0.03% 0.04%
Usaa Federal Savings Bank 31, -0.03% 0.25%
Bay Capital Mortgage Corporation 32, -0.03% 0.13%
Caliber Home Loans Inc 33, -0.02% 1.01%
Movement Mortgage 34, -0.02% 0.42%
Bank of America 35, -0.02% 0.83%
First National Bank of Pennsylvania 36, -0.02% 3.20%
Cardinal Financial Company LP 37, -0.02% 0.24%
TowneBank 38, -0.01% 0.06%
Finance of America Mortgage 39, -0.01% 0.10%
Allied Mortgage Group Inc 40, -0.01% 0.12%
First Alliance Home Mortgage 41, -0.01% 0.06%
Guaranteed Rate Affinity 42, -0.00% 0.10%
Acnb Bank 43, -0.00% 1.62%
Tidewater Mortgage Services Inc 44, -0.00% 0.13%
Us Bank 45, -0.00% 0.49%
McLean Mortgage Corporation 46, 0.00% 0.12%
Primary Residential Mortgage Inc 47, 0.00% 0.03%
Suntrust Banks, Inc 48, 0.01% 0.48%
JG Wentworth Home Lending 49, 0.01% 0.33%
Homespire Mortgage Corporation 50, 0.01% 0.13%
Mortgage One Solutions, Inc 51, 0.01% 0.01%
Stearns Lending 52, 0.01% 0.09%
Primelending 53, 0.01% 0.33%
Prosperity Home Mortgage 54, 0.01% 0.01%
M&T Bank 55, 0.02% 1.56%
Navy Federal Credit Union 56, 0.02% 0.27%
Mortgage Network, Inc 57, 0.03% 0.33%
The Federal Savings Bank 58, 0.03% 0.04%
Lakeview Loan Servicing 59, 0.03% 0.04%
HomeSale Mortgage 60, 0.03% 0.25%
E Mortgage Management 61, 0.03% 0.52%
Orrstown Bank 62, 0.03% 1.18%
Northpointe Bank 63, 0.03% 0.21%
New American Funding 64, 0.04% 0.64%
Members 1st Federal Credit Union 65, 0.04% 6.03%
Pnc Bank 66, 0.04% 8.16%
NFM, Inc 67, 0.05% 0.55%
Embrace Home Loans, Inc 68, 0.05% 0.09%
Sierra Pacific Mortgage 69, 0.05% 0.22%
Flagstar Bank 70, 0.06% 0.33%
JPMorgan Chase Bank 71, 0.06% 1.41%
Paramount Residential Mortgage Group Inc 72, 0.06% 0.10%
Freedom Mortgage Corporation 73, 0.07% 0.33%
HomeBridge Financial Services, Inc 74, 0.07% 0.30%
Colonial Savings 75, 0.07% 0.09%
Pennymac Loan Services 76, 0.08% 0.43%
Reliance First Capital 77, 0.09% 0.36%
Royal United Mortgage 78, 0.13% 0.31%
Wells Fargo Bank 79, 0.17% 5.66%
GMH Mortgage Services 80, 0.20% 0.39%
Ditech Financial 81, 0.20% 0.43%
Quicken Loans 82, 0.25% 15.87%
Nationstar Mortgage 83, 0.47% 1.58%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Members 1st Federal Credit Union 1, -0.49% 4.18%
M&T Bank 2, -0.27% 1.71%
Home Point Financial Corporation 3, -0.25% 2.98%
Fulton Bank 4, -0.23% 3.33%
Orrstown Bank 5, -0.19% 0.80%
Northpointe Bank 6, -0.13% 2.02%
McLean Mortgage Corporation 7, -0.13% 0.45%
Pnc Bank 8, -0.11% 0.35%
Sierra Pacific Mortgage 9, -0.11% 0.94%
First National Bank of Pennsylvania 10, -0.09% 0.27%
York Traditions Bank 11, -0.09% 3.16%
HomeSale Mortgage 12, -0.07% 3.10%
Mortgage America, Inc 13, -0.07% 1.24%
Keller Mortgage 14, -0.07% 0.24%
Nationstar Mortgage 15, -0.06% 5.49%
Truist Bank 16, -0.05% 0.08%
The Ephrata National Bank 17, -0.05% 0.29%
Howard Hanna Mortgage Services 18, -0.04% 0.90%
Flagstar Bank 19, -0.04% 0.63%
Primelending 20, -0.03% 1.06%
TowneBank 21, -0.03% 0.16%
Citizens Bank 22, -0.03% 1.22%
Bank of America 23, -0.03% 0.22%
E Mortgage Management 24, -0.03% 2.55%
Guaranteed Rate Affinity 25, -0.03% 0.73%
Meridian Bank 26, -0.03% 0.59%
Newrez 27, -0.03% 0.71%
Cardinal Financial Company LP 28, -0.03% 0.73%
Navy Federal Credit Union 29, -0.01% 0.12%
Ditech Financial 30, -0.01% 0.53%
Pennymac Loan Services 31, -0.01% 0.49%
Santander Bank 32, -0.01% 0.10%
Caliber Home Loans Inc 33, -0.00% 3.16%
Embrace Home Loans, Inc 34, -0.00% 0.22%
Firstrust Bank 35, -0.00% 0.04%
Barrington Bank & Trust 36, 0.00% 0.02%
Arc Home 37, 0.01% 0.02%
Amerisave Mortgage Corporation 38, 0.01% 0.29%
Us Bank 39, 0.01% 0.04%
Suntrust Banks, Inc 40, 0.01% 0.08%
The Federal Savings Bank 41, 0.01% 0.04%
NFM, Inc 42, 0.02% 1.92%
Stearns Lending 43, 0.02% 1.14%
HomeBridge Financial Services, Inc 44, 0.02% 2.22%
Wells Fargo Bank 45, 0.02% 0.08%
Carrington Mortgage Services 46, 0.02% 1.67%
NewDay USA 47, 0.03% 0.02%
Reliance First Capital 48, 0.03% 0.39%
Royal United Mortgage 49, 0.04% 0.14%
Homestead Funding Corp 50, 0.04% 0.18%
Movement Mortgage 51, 0.04% 4.20%
Freedom Mortgage Corporation 52, 0.05% 0.71%
Foote Capital Mortgage Company 53, 0.05% 0.47%
Residential Mortgage Services 54, 0.05% 7.79%
Quicken Loans 55, 0.06% 8.92%
Lakeview Loan Servicing 56, 0.06% 0.55%
JG Wentworth Home Lending 57, 0.07% 0.29%
Prosperity Home Mortgage 58, 0.07% 0.14%
Paramount Residential Mortgage Group Inc 59, 0.08% 0.55%
Tidewater Mortgage Services Inc 60, 0.08% 1.57%
Colonial Savings 61, 0.08% 0.33%
New American Funding 62, 0.08% 1.33%
Union Home Mortgage Company 63, 0.09% 1.16%
Fairway Independent Mort Corp 64, 0.11% 2.71%
Guaranteed Rate Inc 65, 0.12% 1.39%
Primary Residential Mortgage Inc 66, 0.13% 0.33%
Finance of America Mortgage 67, 0.13% 0.84%
Allied Mortgage Group Inc 68, 0.14% 0.63%
Pacific Union Financial 69, 0.16% 0.45%
Mortgage One Solutions, Inc 70, 0.19% 0.57%
LoanDepot 71, 0.20% 2.69%
NVR Mortgage Finance Inc 72, 0.20% 0.67%
Homespire Mortgage Corporation 73, 0.21% 0.96%
First Alliance Home Mortgage 74, 0.22% 0.65%
Mortgage Network, Inc 75, 0.25% 2.88%
GMH Mortgage Services 76, 0.37% 4.12%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Members 1st Federal Credit Union 1, -0.50% 5.08%
M&T Bank 2, -0.33% 1.57%
Home Point Financial Corporation 3, -0.28% 3.06%
Fulton Bank 4, -0.23% 4.10%
Orrstown Bank 5, -0.20% 0.94%
McLean Mortgage Corporation 6, -0.14% 0.51%
Northpointe Bank 7, -0.13% 2.38%
Pnc Bank 8, -0.13% 0.38%
Sierra Pacific Mortgage 9, -0.12% 1.09%
First National Bank of Pennsylvania 10, -0.10% 0.30%
York Traditions Bank 11, -0.09% 3.84%
Keller Mortgage 12, -0.08% 0.28%
Mortgage America, Inc 13, -0.07% 1.47%
HomeSale Mortgage 14, -0.07% 3.82%
Cardinal Financial Company LP 15, -0.05% 0.61%
Truist Bank 16, -0.05% 0.10%
The Ephrata National Bank 17, -0.05% 0.35%
Howard Hanna Mortgage Services 18, -0.04% 1.06%
Flagstar Bank 19, -0.04% 0.73%
Citizens Bank 20, -0.04% 1.26%
Nationstar Mortgage 21, -0.04% 3.82%
E Mortgage Management 22, -0.03% 2.96%
Primelending 23, -0.03% 1.31%
TowneBank 24, -0.03% 0.20%
Meridian Bank 25, -0.03% 0.71%
Bank of America 26, -0.03% 0.28%
Guaranteed Rate Affinity 27, -0.03% 0.91%
Reliance First Capital 28, -0.01% 0.05%
Navy Federal Credit Union 29, -0.01% 0.13%
Santander Bank 30, -0.00% 0.13%
Caliber Home Loans Inc 31, -0.00% 3.11%
Firstrust Bank 32, 0.00% 0.05%
Barrington Bank & Trust 33, 0.00% 0.03%
Embrace Home Loans, Inc 34, 0.01% 0.13%
Pennymac Loan Services 35, 0.01% 0.08%
Lakeview Loan Servicing 36, 0.01% 0.03%
Us Bank 37, 0.01% 0.03%
NFM, Inc 38, 0.02% 1.92%
Suntrust Banks, Inc 39, 0.02% 0.08%
Ditech Financial 40, 0.02% 0.03%
Wells Fargo Bank 41, 0.02% 0.08%
Amerisave Mortgage Corporation 42, 0.02% 0.05%
HomeBridge Financial Services, Inc 43, 0.02% 2.58%
Stearns Lending 44, 0.02% 1.39%
Freedom Mortgage Corporation 45, 0.02% 0.53%
Newrez 46, 0.04% 0.28%
Homestead Funding Corp 47, 0.05% 0.13%
Movement Mortgage 48, 0.05% 5.03%
Foote Capital Mortgage Company 49, 0.05% 0.56%
Residential Mortgage Services 50, 0.06% 9.28%
Carrington Mortgage Services 51, 0.06% 0.38%
Royal United Mortgage 52, 0.07% 0.08%
Prosperity Home Mortgage 53, 0.07% 0.18%
JG Wentworth Home Lending 54, 0.08% 0.28%
Colonial Savings 55, 0.09% 0.40%
Paramount Residential Mortgage Group Inc 56, 0.09% 0.30%
Tidewater Mortgage Services Inc 57, 0.09% 1.87%
New American Funding 58, 0.10% 1.26%
Union Home Mortgage Company 59, 0.10% 1.37%
Quicken Loans 60, 0.10% 4.25%
Fairway Independent Mort Corp 61, 0.12% 2.98%
Guaranteed Rate Inc 62, 0.13% 1.59%
Primary Residential Mortgage Inc 63, 0.15% 0.35%
Finance of America Mortgage 64, 0.15% 0.88%
Allied Mortgage Group Inc 65, 0.19% 0.63%
Pacific Union Financial 66, 0.20% 0.38%
NVR Mortgage Finance Inc 67, 0.20% 0.83%
LoanDepot 68, 0.21% 2.17%
First Alliance Home Mortgage 69, 0.22% 0.81%
Homespire Mortgage Corporation 70, 0.22% 1.11%
Mortgage One Solutions, Inc 71, 0.22% 0.61%
Mortgage Network, Inc 72, 0.26% 3.51%
GMH Mortgage Services 73, 0.38% 4.98%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.12% 2.64%
M&T Bank 2, -0.10% 2.33%
Nationstar Mortgage 3, -0.09% 12.47%
Newrez 4, -0.08% 2.54%
Allied Mortgage Group Inc 5, -0.03% 0.63%
Pennymac Loan Services 6, -0.02% 2.22%
Ditech Financial 7, -0.02% 2.64%
Citizens Bank 8, -0.02% 1.06%
Orrstown Bank 9, -0.02% 0.21%
Embrace Home Loans, Inc 10, -0.02% 0.63%
Howard Hanna Mortgage Services 11, -0.01% 0.21%
HomeSale Mortgage 12, -0.01% 0.11%
Primary Residential Mortgage Inc 13, -0.01% 0.21%
Foote Capital Mortgage Company 14, -0.01% 0.11%
McLean Mortgage Corporation 15, -0.01% 0.21%
Suntrust Banks, Inc 16, -0.01% 0.11%
Movement Mortgage 17, -0.01% 0.74%
Amerisave Mortgage Corporation 18, -0.01% 1.27%
Tidewater Mortgage Services Inc 19, -0.01% 0.32%
York Traditions Bank 20, -0.01% 0.32%
Arc Home 21, -0.01% 0.11%
Caliber Home Loans Inc 22, -0.01% 3.38%
Navy Federal Credit Union 23, -0.01% 0.11%
Mortgage America, Inc 24, -0.01% 0.32%
Northpointe Bank 25, -0.00% 0.53%
Members 1st Federal Credit Union 26, -0.00% 0.42%
Us Bank 27, -0.00% 0.11%
Stearns Lending 28, -0.00% 0.11%
Residential Mortgage Services 29, -0.00% 1.59%
Guaranteed Rate Inc 30, 0.00% 0.53%
Pnc Bank 31, 0.00% 0.21%
Carrington Mortgage Services 32, 0.00% 7.08%
Fulton Bank 33, 0.00% 0.11%
The Federal Savings Bank 34, 0.00% 0.21%
Mortgage Network, Inc 35, 0.00% 0.21%
First National Bank of Pennsylvania 36, 0.00% 0.11%
Royal United Mortgage 37, 0.01% 0.42%
Sierra Pacific Mortgage 38, 0.01% 0.32%
Meridian Bank 39, 0.01% 0.11%
Mortgage One Solutions, Inc 40, 0.01% 0.42%
HomeBridge Financial Services, Inc 41, 0.01% 0.74%
Homespire Mortgage Corporation 42, 0.01% 0.32%
Wells Fargo Bank 43, 0.01% 0.11%
Flagstar Bank 44, 0.01% 0.21%
Cardinal Financial Company LP 45, 0.02% 1.27%
JG Wentworth Home Lending 46, 0.02% 0.32%
Quicken Loans 47, 0.02% 28.44%
Union Home Mortgage Company 48, 0.02% 0.32%
NewDay USA 49, 0.02% 0.11%
Keller Mortgage 50, 0.02% 0.11%
Homestead Funding Corp 51, 0.02% 0.42%
Reliance First Capital 52, 0.03% 1.80%
NFM, Inc 53, 0.03% 1.90%
E Mortgage Management 54, 0.03% 0.85%
Finance of America Mortgage 55, 0.04% 0.63%
New American Funding 56, 0.05% 1.59%
Fairway Independent Mort Corp 57, 0.05% 1.59%
Lakeview Loan Servicing 58, 0.05% 2.75%
Paramount Residential Mortgage Group Inc 59, 0.06% 1.59%
GMH Mortgage Services 60, 0.06% 0.53%
Pacific Union Financial 61, 0.08% 0.74%
Freedom Mortgage Corporation 62, 0.08% 1.48%
LoanDepot 63, 0.16% 4.86%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.04% 8.77%
Wells Fargo Bank 2, -0.03% 5.85%
First National Bank of Pennsylvania 3, -0.02% 16.96%
Fulton Bank 4, -0.01% 9.94%
Pnc Bank 5, -0.00% 7.60%
M&T Bank 6, -0.00% 2.34%
Us Bank 7, 0.00% 2.34%
Prosperity Home Mortgage 8, 0.00% 0.58%
Meridian Bank 9, 0.01% 0.58%
McLean Mortgage Corporation 10, 0.01% 0.58%
LoanDepot 11, 0.01% 0.58%
Guaranteed Rate Inc 12, 0.01% 0.58%
Mortgage America, Inc 13, 0.01% 0.58%
Santander Bank 14, 0.01% 0.58%
TowneBank 15, 0.01% 0.58%
Mid Penn Bank 16, 0.01% 0.58%
Truist Bank 17, 0.01% 8.19%
York Traditions Bank 18, 0.01% 0.58%
The Ephrata National Bank 19, 0.01% 0.58%
Mortgage Network, Inc 20, 0.01% 0.58%
Northwest Bank 21, 0.01% 4.68%
Residential Mortgage Services 22, 0.01% 2.34%
Acnb Bank 23, 0.01% 0.58%
Citizens Bank 24, 0.01% 2.34%
Fairway Independent Mort Corp 25, 0.01% 0.58%
Quicken Loans 26, 0.01% 2.92%
HomeSale Mortgage 27, 0.01% 0.58%
Suntrust Banks, Inc 28, 0.01% 1.75%
Caliber Home Loans Inc 29, 0.02% 1.75%
Firstrust Bank 30, 0.02% 0.58%
NVR Mortgage Finance Inc 31, 0.02% 0.58%
Citadel Federal Credit Union 32, 0.02% 0.58%
Northpointe Bank 33, 0.02% 0.58%
E Mortgage Management 34, 0.03% 0.58%
Cardinal Financial Company LP 35, 0.03% 0.58%
JPMorgan Chase Bank 36, 0.03% 2.34%
Members 1st Federal Credit Union 37, 0.04% 3.51%
S&T Bank 38, 0.04% 0.58%
Orrstown Bank 39, 0.08% 3.51%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.05% 10.38%
Wells Fargo Bank 2, -0.04% 7.55%
First National Bank of Pennsylvania 3, -0.02% 15.09%
Pnc Bank 4, -0.01% 5.66%
M&T Bank 5, -0.01% 1.89%
Fulton Bank 6, -0.01% 11.32%
Us Bank 7, 0.00% 2.83%
Prosperity Home Mortgage 8, 0.01% 0.94%
Residential Mortgage Services 9, 0.01% 1.89%
Meridian Bank 10, 0.01% 0.94%
McLean Mortgage Corporation 11, 0.01% 0.94%
Suntrust Banks, Inc 12, 0.01% 1.89%
LoanDepot 13, 0.01% 0.94%
Guaranteed Rate Inc 14, 0.01% 0.94%
TowneBank 15, 0.01% 0.94%
York Traditions Bank 16, 0.01% 0.94%
Citizens Bank 17, 0.01% 1.89%
Mortgage Network, Inc 18, 0.01% 0.94%
Quicken Loans 19, 0.01% 2.83%
Fairway Independent Mort Corp 20, 0.01% 0.94%
HomeSale Mortgage 21, 0.01% 0.94%
Truist Bank 22, 0.02% 5.66%
NVR Mortgage Finance Inc 23, 0.02% 0.94%
Citadel Federal Credit Union 24, 0.02% 0.94%
Caliber Home Loans Inc 25, 0.02% 1.89%
Northpointe Bank 26, 0.02% 0.94%
E Mortgage Management 27, 0.03% 0.94%
JPMorgan Chase Bank 28, 0.04% 3.77%
Members 1st Federal Credit Union 29, 0.04% 4.72%
Northwest Bank 30, 0.04% 2.83%
Orrstown Bank 31, 0.10% 4.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bank of America 1, -0.01% 6.15%
First National Bank of Pennsylvania 2, -0.01% 20.00%
Fulton Bank 3, -0.01% 7.69%
Northwest Bank 4, -0.01% 7.69%
M&T Bank 5, 0.00% 3.08%
Wells Fargo Bank 6, 0.00% 3.08%
Us Bank 7, 0.00% 1.54%
Pnc Bank 8, 0.00% 10.77%
Truist Bank 9, 0.00% 12.31%
Mortgage America, Inc 10, 0.01% 1.54%
Santander Bank 11, 0.01% 1.54%
Mid Penn Bank 12, 0.01% 1.54%
Caliber Home Loans Inc 13, 0.01% 1.54%
The Ephrata National Bank 14, 0.01% 1.54%
Acnb Bank 15, 0.01% 1.54%
Citizens Bank 16, 0.01% 3.08%
Quicken Loans 17, 0.01% 3.08%
Firstrust Bank 18, 0.01% 1.54%
Residential Mortgage Services 19, 0.02% 3.08%
Members 1st Federal Credit Union 20, 0.02% 1.54%
Suntrust Banks, Inc 21, 0.02% 1.54%
Orrstown Bank 22, 0.03% 1.54%
Cardinal Financial Company LP 23, 0.03% 1.54%
S&T Bank 24, 0.03% 1.54%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.28% 7.50%
Members 1st Federal Credit Union 2, -0.18% 2.74%
Pennymac Loan Services 3, -0.18% 2.74%
Home Point Financial Corporation 4, -0.13% 3.29%
Wells Fargo Bank 5, -0.11% 1.69%
Lakeview Loan Servicing 6, -0.09% 1.33%
Orrstown Bank 7, -0.07% 0.73%
LoanDepot 8, -0.07% 4.02%
Guaranteed Rate Affinity 9, -0.06% 0.37%
Caliber Home Loans Inc 10, -0.06% 3.29%
Northpointe Bank 11, -0.05% 1.23%
Keller Mortgage 12, -0.05% 0.23%
HomeBridge Financial Services, Inc 13, -0.05% 1.97%
Paramount Residential Mortgage Group Inc 14, -0.03% 0.27%
Sierra Pacific Mortgage 15, -0.03% 0.55%
M&T Bank 16, -0.03% 0.55%
Primelending 17, -0.03% 1.10%
Cardinal Financial Company LP 18, -0.02% 0.27%
McLean Mortgage Corporation 19, -0.02% 0.32%
Mortgage America, Inc 20, -0.02% 0.91%
Stearns Lending 21, -0.02% 0.05%
Fulton Bank 22, -0.02% 1.23%
York Traditions Bank 23, -0.02% 0.82%
Pnc Bank 24, -0.02% 0.69%
Usaa Federal Savings Bank 25, -0.02% 8.64%
Homestead Funding Corp 26, -0.01% 0.09%
First National Bank of Pennsylvania 27, -0.01% 0.05%
Ditech Financial 28, -0.01% 0.27%
TowneBank 29, -0.01% 0.27%
Arc Home 30, -0.01% 0.23%
Citizens Bank 31, -0.01% 2.51%
Bank of America 32, -0.01% 0.14%
Embrace Home Loans, Inc 33, -0.01% 0.32%
E Mortgage Management 34, -0.01% 1.28%
Us Bank 35, -0.01% 0.05%
Primary Residential Mortgage Inc 36, -0.01% 0.23%
Newrez 37, -0.01% 0.64%
Suntrust Banks, Inc 38, -0.01% 0.14%
NFM, Inc 39, -0.00% 1.14%
Guaranteed Rate Inc 40, -0.00% 0.78%
Meridian Bank 41, -0.00% 0.37%
First Alliance Home Mortgage 42, 0.01% 0.05%
New American Funding 43, 0.01% 0.91%
Howard Hanna Mortgage Services 44, 0.01% 0.46%
Colonial Savings 45, 0.01% 0.05%
Prosperity Home Mortgage 46, 0.01% 0.14%
Tidewater Mortgage Services Inc 47, 0.01% 1.28%
Truist Bank 48, 0.01% 0.27%
The Ephrata National Bank 49, 0.01% 0.23%
HomeSale Mortgage 50, 0.02% 2.51%
Amerisave Mortgage Corporation 51, 0.02% 0.64%
NVR Mortgage Finance Inc 52, 0.02% 0.27%
Mortgage One Solutions, Inc 53, 0.03% 0.14%
Flagstar Bank 54, 0.03% 1.14%
Royal United Mortgage 55, 0.03% 0.09%
Finance of America Mortgage 56, 0.03% 0.27%
Allied Mortgage Group Inc 57, 0.04% 0.27%
Nationstar Mortgage 58, 0.04% 3.52%
Fairway Independent Mort Corp 59, 0.04% 2.38%
JG Wentworth Home Lending 60, 0.04% 0.37%
Residential Mortgage Services 61, 0.05% 3.29%
Reliance First Capital 62, 0.06% 0.37%
Foote Capital Mortgage Company 63, 0.06% 0.69%
Homespire Mortgage Corporation 64, 0.07% 0.87%
Pacific Union Financial 65, 0.09% 0.41%
Mortgage Network, Inc 66, 0.09% 1.51%
Union Home Mortgage Company 67, 0.10% 0.78%
Movement Mortgage 68, 0.11% 1.78%
Carrington Mortgage Services 69, 0.11% 1.83%
Freedom Mortgage Corporation 70, 0.12% 2.33%
The Federal Savings Bank 71, 0.12% 1.78%
Barrington Bank & Trust 72, 0.13% 1.19%
Quicken Loans 73, 0.14% 8.18%
GMH Mortgage Services 74, 0.23% 1.92%
NewDay USA 75, 0.43% 3.02%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.28% 9.98%
Members 1st Federal Credit Union 2, -0.19% 3.64%
Wells Fargo Bank 3, -0.10% 2.55%
Orrstown Bank 4, -0.07% 0.87%
Home Point Financial Corporation 5, -0.06% 2.84%
Northpointe Bank 6, -0.04% 1.46%
Guaranteed Rate Affinity 7, -0.04% 0.58%
Keller Mortgage 8, -0.03% 0.36%
Pennymac Loan Services 9, -0.02% 0.29%
Sierra Pacific Mortgage 10, -0.01% 0.80%
York Traditions Bank 11, -0.01% 1.09%
Primelending 12, -0.01% 1.75%
Mortgage America, Inc 13, -0.01% 1.17%
Cardinal Financial Company LP 14, -0.01% 0.22%
McLean Mortgage Corporation 15, -0.00% 0.51%
Arc Home 16, -0.00% 0.15%
Fulton Bank 17, -0.00% 1.89%
M&T Bank 18, -0.00% 0.58%
Pnc Bank 19, 0.00% 0.66%
TowneBank 20, 0.00% 0.36%
Homestead Funding Corp 21, 0.00% 0.15%
First National Bank of Pennsylvania 22, 0.00% 0.07%
Paramount Residential Mortgage Group Inc 23, 0.01% 0.07%
Bank of America 24, 0.01% 0.22%
Primary Residential Mortgage Inc 25, 0.01% 0.29%
E Mortgage Management 26, 0.01% 1.89%
Citizens Bank 27, 0.01% 3.35%
Us Bank 28, 0.01% 0.07%
Newrez 29, 0.01% 0.66%
NFM, Inc 30, 0.01% 1.24%
Suntrust Banks, Inc 31, 0.01% 0.15%
Usaa Federal Savings Bank 32, 0.02% 11.43%
Nationstar Mortgage 33, 0.02% 3.71%
Meridian Bank 34, 0.02% 0.44%
The Ephrata National Bank 35, 0.02% 0.22%
HomeBridge Financial Services, Inc 36, 0.02% 1.46%
Caliber Home Loans Inc 37, 0.02% 2.77%
First Alliance Home Mortgage 38, 0.02% 0.07%
Truist Bank 39, 0.03% 0.15%
Colonial Savings 40, 0.03% 0.07%
Prosperity Home Mortgage 41, 0.03% 0.22%
Howard Hanna Mortgage Services 42, 0.03% 0.66%
Tidewater Mortgage Services Inc 43, 0.03% 2.04%
New American Funding 44, 0.03% 1.17%
Guaranteed Rate Inc 45, 0.03% 0.87%
HomeSale Mortgage 46, 0.03% 4.01%
Embrace Home Loans, Inc 47, 0.04% 0.15%
Freedom Mortgage Corporation 48, 0.04% 0.87%
LoanDepot 49, 0.04% 1.60%
NVR Mortgage Finance Inc 50, 0.04% 0.44%
Mortgage One Solutions, Inc 51, 0.05% 0.22%
Flagstar Bank 52, 0.05% 1.02%
Finance of America Mortgage 53, 0.06% 0.36%
JG Wentworth Home Lending 54, 0.08% 0.44%
Residential Mortgage Services 55, 0.08% 4.88%
Quicken Loans 56, 0.08% 3.28%
Fairway Independent Mort Corp 57, 0.08% 2.99%
Allied Mortgage Group Inc 58, 0.08% 0.29%
Foote Capital Mortgage Company 59, 0.08% 1.02%
NewDay USA 60, 0.12% 0.66%
Mortgage Network, Inc 61, 0.12% 2.26%
Homespire Mortgage Corporation 62, 0.12% 1.09%
Pacific Union Financial 63, 0.13% 0.36%
Movement Mortgage 64, 0.13% 2.69%
Union Home Mortgage Company 65, 0.14% 1.02%
Carrington Mortgage Services 66, 0.16% 0.66%
Barrington Bank & Trust 67, 0.16% 1.60%
GMH Mortgage Services 68, 0.26% 2.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pennymac Loan Services 1, -0.22% 6.88%
Home Point Financial Corporation 2, -0.21% 4.05%
Navy Federal Credit Union 3, -0.19% 3.32%
Caliber Home Loans Inc 4, -0.15% 4.18%
LoanDepot 5, -0.14% 8.11%
HomeBridge Financial Services, Inc 6, -0.13% 2.83%
Lakeview Loan Servicing 7, -0.12% 3.56%
Usaa Federal Savings Bank 8, -0.12% 3.93%
Members 1st Federal Credit Union 9, -0.08% 1.23%
Citizens Bank 10, -0.08% 1.11%
Fairway Independent Mort Corp 11, -0.07% 1.35%
Northpointe Bank 12, -0.07% 0.86%
Homespire Mortgage Corporation 13, -0.07% 0.49%
M&T Bank 14, -0.07% 0.49%
Paramount Residential Mortgage Group Inc 15, -0.07% 0.61%
Guaranteed Rate Inc 16, -0.07% 0.61%
Movement Mortgage 17, -0.06% 0.25%
Pnc Bank 18, -0.06% 0.74%
Cardinal Financial Company LP 19, -0.06% 0.37%
Stearns Lending 20, -0.05% 0.12%
Embrace Home Loans, Inc 21, -0.05% 0.61%
New American Funding 22, -0.05% 0.49%
Ditech Financial 23, -0.05% 0.74%
Mortgage America, Inc 24, -0.05% 0.49%
Allied Mortgage Group Inc 25, -0.05% 0.25%
Finance of America Mortgage 26, -0.05% 0.12%
Orrstown Bank 27, -0.04% 0.49%
JG Wentworth Home Lending 28, -0.04% 0.25%
Arc Home 29, -0.04% 0.37%
Mortgage Network, Inc 30, -0.04% 0.25%
TowneBank 31, -0.04% 0.12%
Suntrust Banks, Inc 32, -0.04% 0.12%
Union Home Mortgage Company 33, -0.04% 0.37%
Foote Capital Mortgage Company 34, -0.04% 0.12%
Newrez 35, -0.04% 0.61%
Howard Hanna Mortgage Services 36, -0.04% 0.12%
Sierra Pacific Mortgage 37, -0.03% 0.12%
Primary Residential Mortgage Inc 38, -0.03% 0.12%
Meridian Bank 39, -0.03% 0.25%
NFM, Inc 40, -0.03% 0.98%
Residential Mortgage Services 41, -0.02% 0.61%
E Mortgage Management 42, -0.02% 0.25%
Fulton Bank 43, -0.02% 0.12%
Truist Bank 44, -0.02% 0.49%
York Traditions Bank 45, -0.02% 0.37%
GMH Mortgage Services 46, -0.02% 0.25%
Amerisave Mortgage Corporation 47, -0.01% 1.72%
Flagstar Bank 48, -0.01% 1.35%
Wells Fargo Bank 49, -0.01% 0.25%
Royal United Mortgage 50, -0.00% 0.25%
The Ephrata National Bank 51, 0.00% 0.25%
Barrington Bank & Trust 52, 0.00% 0.49%
Reliance First Capital 53, 0.03% 0.98%
Pacific Union Financial 54, 0.03% 0.49%
Carrington Mortgage Services 55, 0.07% 3.81%
Nationstar Mortgage 56, 0.09% 3.19%
The Federal Savings Bank 57, 0.09% 4.79%
Freedom Mortgage Corporation 58, 0.12% 4.79%
Quicken Loans 59, 0.14% 16.46%
NewDay USA 60, 0.45% 7.00%

* Data is compiled for the Lancaster, PA commuting zone area, which comprises of counties of Adams County, PA, Cumberland County, PA, Dauphin County, PA, Lancaster County, PA, Lebanon County, PA, Perry County, PA, and York County, PA. This includes cities/towns/communities of Lancaster, PA as well as New Kingstown, PA, Weigelstown, PA, Millersville, PA, Harrisburg, PA, York, PA, Rheems, PA, Willow Street, PA, Spry, PA, Shiloh, PA, Schlusser, PA, Rothsville, PA, Linglestown, PA, Lebanon, PA, Ephrata, PA, Hanover, PA, Hershey, PA, Skyline View, PA, Carlisle, PA, Middletown, PA, Progress, PA, Colonial Park, PA, Dillsburg, PA, Stonybrook, PA, Sand Hill, PA, Enola, PA, Carroll Valley, PA, Boiling Springs, PA, Lake Meade, PA, East York, PA, Landisville, PA, Shrewsbury, PA, Lititz, PA, Campbelltown, PA, North York, PA, Paxtonia, PA, Salunga, PA, Elizabethtown, PA, Columbia, PA, Swartzville, PA, Jacobus, PA, New Cumberland, PA, Penryn, PA, Mount Joy, PA, Parkville, PA, Valley Green, PA, Camp Hill, PA, Maytown, PA, Lower Allen, PA, Pleasant Hill, PA, and Stewartstown, 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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