Top Mortgage Lenders in Scranton, PA

Which mortgage lender in the Scranton, 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 Scranton, 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 Scranton, PA area is Pa State Employees Cu, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.33%. This means that Pa State Employees Cu provided a -0.33% lower interest rate for its customers than other lenders in Scranton, PA for a similar set of borrowers. Pa State Employees Cu has a market share of 1.7%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 12.9%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.13% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Scranton, 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 Scranton, 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 Caliber Home Loans Inc. 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 Scranton, PA

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.33% 1.74%
ESSA Bank & Trust 2, -0.26% 3.27%
NBT Bank 3, -0.23% 1.64%
Bank of America 4, -0.20% 1.17%
Navy Federal Credit Union 5, -0.12% 0.94%
Citizens Bank 6, -0.10% 2.28%
TD Bank 7, -0.10% 0.43%
Peoples Security Bank and Trust Company 8, -0.10% 1.57%
JPMorgan Chase Bank 9, -0.08% 2.08%
The Honesdale National Bank 10, -0.08% 2.74%
Pennymac Loan Services 11, -0.08% 0.86%
M&T Bank 12, -0.07% 1.37%
First National Bank of Pennsylvania 13, -0.07% 1.64%
The Fidelity Deposit and Discount Bank 14, -0.06% 4.27%
Caliber Home Loans Inc 15, -0.05% 2.17%
Jersey Shore State Bank 16, -0.05% 0.53%
Trident Mortgage Company Lp 17, -0.05% 0.68%
Usaa Federal Savings Bank 18, -0.05% 1.43%
Amerisave Mortgage Corporation 19, -0.04% 0.40%
Home Point Financial Corporation 20, -0.04% 0.73%
Residential Mortgage Services 21, -0.03% 5.18%
Summit Mortgage Corporation 22, -0.03% 2.47%
Movement Mortgage 23, -0.01% 0.56%
Stearns Lending 24, -0.01% 6.04%
Wells Fargo Bank 25, -0.00% 3.76%
Newrez 26, 0.00% 0.99%
Guaranteed Rate Inc 27, 0.00% 1.84%
Fairway Independent Mort Corp 28, 0.00% 0.67%
Mortgage America, Inc 29, 0.00% 0.52%
Carrington Mortgage Services 30, 0.01% 0.62%
LoanDepot 31, 0.01% 1.94%
Ditech Financial 32, 0.02% 0.38%
Cardinal Financial Company LP 33, 0.03% 0.44%
Quaint Oak Mortgage 34, 0.04% 0.43%
Freedom Mortgage Corporation 35, 0.04% 1.00%
HomeBridge Financial Services, Inc 36, 0.04% 0.35%
New American Funding 37, 0.04% 0.38%
Finance of America Mortgage 38, 0.05% 6.45%
Pnc Bank 39, 0.06% 4.29%
Supreme Lending/ Everett Financial Inc 40, 0.08% 0.70%
AnnieMac Home Mortgage 41, 0.09% 0.99%
Residential Home Funding Corp 42, 0.09% 0.45%
Ark-La-Tex Financial Services 43, 0.09% 3.94%
Atlantic Home Loans, Inc 44, 0.10% 2.08%
Flagstar Bank 45, 0.10% 0.41%
NFM, Inc 46, 0.10% 0.53%
JG Wentworth Home Lending 47, 0.10% 0.55%
Homespire Mortgage Corporation 48, 0.11% 1.15%
Community Bank 49, 0.12% 3.61%
Nationstar Mortgage 50, 0.13% 1.86%
Quicken Loans 51, 0.13% 12.93%
United Mortgage Corp 52, 0.15% 0.52%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.28% 1.11%
NBT Bank 2, -0.26% 1.64%
Bank of America 3, -0.23% 1.22%
ESSA Bank & Trust 4, -0.22% 2.41%
Pennymac Loan Services 5, -0.15% 0.68%
Navy Federal Credit Union 6, -0.13% 1.22%
TD Bank 7, -0.12% 0.54%
JPMorgan Chase Bank 8, -0.11% 2.20%
The Honesdale National Bank 9, -0.10% 2.44%
Citizens Bank 10, -0.10% 1.89%
M&T Bank 11, -0.10% 1.43%
First National Bank of Pennsylvania 12, -0.09% 0.99%
Jersey Shore State Bank 13, -0.09% 0.55%
Peoples Security Bank and Trust Company 14, -0.08% 1.14%
Caliber Home Loans Inc 15, -0.07% 2.50%
Trident Mortgage Company Lp 16, -0.06% 0.91%
Pnc Bank 17, -0.05% 2.50%
Usaa Federal Savings Bank 18, -0.05% 1.72%
Wells Fargo Bank 19, -0.05% 3.90%
Home Point Financial Corporation 20, -0.04% 0.76%
The Fidelity Deposit and Discount Bank 21, -0.04% 3.64%
Summit Mortgage Corporation 22, -0.03% 3.38%
Residential Mortgage Services 23, -0.03% 6.91%
Movement Mortgage 24, -0.02% 0.72%
Freedom Mortgage Corporation 25, -0.01% 0.89%
Stearns Lending 26, -0.01% 8.21%
Fairway Independent Mort Corp 27, -0.00% 0.88%
Mortgage America, Inc 28, 0.00% 0.70%
Guaranteed Rate Inc 29, 0.01% 2.34%
Amerisave Mortgage Corporation 30, 0.01% 0.08%
Ditech Financial 31, 0.01% 0.05%
Newrez 32, 0.02% 0.76%
Nationstar Mortgage 33, 0.03% 1.27%
Cardinal Financial Company LP 34, 0.03% 0.39%
Quaint Oak Mortgage 35, 0.04% 0.60%
LoanDepot 36, 0.04% 1.28%
New American Funding 37, 0.05% 0.46%
HomeBridge Financial Services, Inc 38, 0.05% 0.29%
Finance of America Mortgage 39, 0.05% 8.46%
Carrington Mortgage Services 40, 0.06% 0.16%
Ark-La-Tex Financial Services 41, 0.09% 5.30%
Residential Home Funding Corp 42, 0.09% 0.62%
Supreme Lending/ Everett Financial Inc 43, 0.09% 0.81%
Atlantic Home Loans, Inc 44, 0.10% 2.93%
AnnieMac Home Mortgage 45, 0.10% 1.20%
Homespire Mortgage Corporation 46, 0.11% 1.63%
NFM, Inc 47, 0.11% 0.68%
JG Wentworth Home Lending 48, 0.12% 0.60%
Flagstar Bank 49, 0.13% 0.44%
Community Bank 50, 0.17% 3.24%
Quicken Loans 51, 0.17% 8.68%
United Mortgage Corp 52, 0.17% 0.62%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.37% 3.18%
ESSA Bank & Trust 2, -0.29% 5.25%
NBT Bank 3, -0.16% 1.63%
Bank of America 4, -0.12% 1.07%
Peoples Security Bank and Trust Company 5, -0.12% 2.55%
Citizens Bank 6, -0.11% 3.18%
The Fidelity Deposit and Discount Bank 7, -0.11% 5.69%
Residential Mortgage Services 8, -0.05% 1.26%
First National Bank of Pennsylvania 9, -0.05% 3.10%
Amerisave Mortgage Corporation 10, -0.05% 1.11%
Guaranteed Rate Inc 11, -0.04% 0.70%
Home Point Financial Corporation 12, -0.04% 0.66%
Usaa Federal Savings Bank 13, -0.04% 0.78%
The Honesdale National Bank 14, -0.03% 3.44%
LoanDepot 15, -0.02% 3.44%
Newrez 16, -0.02% 1.51%
AnnieMac Home Mortgage 17, -0.01% 0.52%
Trident Mortgage Company Lp 18, -0.01% 0.15%
Carrington Mortgage Services 19, -0.01% 1.66%
TD Bank 20, 0.00% 0.18%
JPMorgan Chase Bank 21, 0.00% 1.81%
Navy Federal Credit Union 22, 0.00% 0.30%
Caliber Home Loans Inc 23, 0.00% 1.40%
Stearns Lending 24, 0.01% 1.11%
Summit Mortgage Corporation 25, 0.01% 0.41%
Movement Mortgage 26, 0.01% 0.22%
Finance of America Mortgage 27, 0.01% 1.88%
Mortgage America, Inc 28, 0.01% 0.11%
Quaint Oak Mortgage 29, 0.01% 0.04%
Pennymac Loan Services 30, 0.02% 1.26%
New American Funding 31, 0.02% 0.22%
Ditech Financial 32, 0.02% 1.15%
Flagstar Bank 33, 0.02% 0.33%
Atlantic Home Loans, Inc 34, 0.03% 0.15%
M&T Bank 35, 0.03% 1.22%
HomeBridge Financial Services, Inc 36, 0.03% 0.48%
Homespire Mortgage Corporation 37, 0.03% 0.07%
Fairway Independent Mort Corp 38, 0.03% 0.18%
Jersey Shore State Bank 39, 0.03% 0.48%
Cardinal Financial Company LP 40, 0.03% 0.55%
United Mortgage Corp 41, 0.04% 0.30%
Residential Home Funding Corp 42, 0.04% 0.07%
Supreme Lending/ Everett Financial Inc 43, 0.04% 0.44%
NFM, Inc 44, 0.05% 0.18%
Community Bank 45, 0.05% 4.47%
JG Wentworth Home Lending 46, 0.05% 0.44%
Ark-La-Tex Financial Services 47, 0.07% 0.85%
Quicken Loans 48, 0.09% 22.57%
Freedom Mortgage Corporation 49, 0.11% 1.26%
Wells Fargo Bank 50, 0.12% 3.44%
Pnc Bank 51, 0.14% 8.35%
Nationstar Mortgage 52, 0.21% 3.21%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.33% 2.61%
ESSA Bank & Trust 2, -0.25% 4.91%
NBT Bank 3, -0.24% 2.32%
Bank of America 4, -0.21% 1.66%
Citizens Bank 5, -0.11% 2.73%
TD Bank 6, -0.10% 0.61%
Peoples Security Bank and Trust Company 7, -0.10% 2.35%
JPMorgan Chase Bank 8, -0.08% 3.08%
The Honesdale National Bank 9, -0.08% 3.91%
Trident Mortgage Company Lp 10, -0.07% 0.74%
The Fidelity Deposit and Discount Bank 11, -0.06% 6.26%
First National Bank of Pennsylvania 12, -0.06% 2.05%
Amerisave Mortgage Corporation 13, -0.06% 0.44%
Jersey Shore State Bank 14, -0.05% 0.80%
M&T Bank 15, -0.05% 1.57%
Residential Mortgage Services 16, -0.05% 4.57%
Guaranteed Rate Inc 17, -0.05% 1.95%
LoanDepot 18, -0.03% 1.74%
Usaa Federal Savings Bank 19, -0.03% 0.80%
Fairway Independent Mort Corp 20, -0.01% 0.58%
Wells Fargo Bank 21, 0.00% 5.45%
Carrington Mortgage Services 22, 0.00% 0.10%
Pennymac Loan Services 23, 0.00% 0.44%
Home Point Financial Corporation 24, 0.00% 0.52%
Mortgage America, Inc 25, 0.01% 0.42%
Newrez 26, 0.01% 0.96%
Freedom Mortgage Corporation 27, 0.02% 1.03%
Movement Mortgage 28, 0.03% 0.32%
Finance of America Mortgage 29, 0.03% 4.86%
Summit Mortgage Corporation 30, 0.05% 1.84%
HomeBridge Financial Services, Inc 31, 0.06% 0.20%
Cardinal Financial Company LP 32, 0.06% 0.34%
NFM, Inc 33, 0.07% 0.24%
Atlantic Home Loans, Inc 34, 0.07% 1.83%
Stearns Lending 35, 0.07% 2.93%
Ditech Financial 36, 0.07% 0.27%
JG Wentworth Home Lending 37, 0.07% 0.27%
Navy Federal Credit Union 38, 0.08% 0.49%
Pnc Bank 39, 0.08% 5.82%
Residential Home Funding Corp 40, 0.08% 0.32%
Quaint Oak Mortgage 41, 0.09% 0.25%
New American Funding 42, 0.09% 0.15%
Supreme Lending/ Everett Financial Inc 43, 0.09% 0.85%
AnnieMac Home Mortgage 44, 0.10% 0.73%
United Mortgage Corp 45, 0.10% 0.25%
Ark-La-Tex Financial Services 46, 0.11% 2.95%
Caliber Home Loans Inc 47, 0.12% 1.42%
Community Bank 48, 0.13% 5.42%
Homespire Mortgage Corporation 49, 0.15% 0.59%
Flagstar Bank 50, 0.16% 0.29%
Quicken Loans 51, 0.19% 11.83%
Nationstar Mortgage 52, 0.30% 0.93%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.28% 1.80%
NBT Bank 2, -0.28% 2.46%
Bank of America 3, -0.24% 1.83%
ESSA Bank & Trust 4, -0.22% 3.92%
TD Bank 5, -0.12% 0.82%
JPMorgan Chase Bank 6, -0.11% 3.53%
The Honesdale National Bank 7, -0.11% 3.66%
Citizens Bank 8, -0.10% 2.23%
M&T Bank 9, -0.08% 1.72%
Jersey Shore State Bank 10, -0.08% 0.90%
First National Bank of Pennsylvania 11, -0.08% 1.09%
Peoples Security Bank and Trust Company 12, -0.08% 1.86%
Trident Mortgage Company Lp 13, -0.07% 1.09%
Wells Fargo Bank 14, -0.05% 6.10%
Residential Mortgage Services 15, -0.05% 6.33%
Guaranteed Rate Inc 16, -0.05% 2.62%
Pnc Bank 17, -0.04% 3.21%
Usaa Federal Savings Bank 18, -0.04% 1.11%
The Fidelity Deposit and Discount Bank 19, -0.03% 5.80%
LoanDepot 20, -0.03% 1.19%
Freedom Mortgage Corporation 21, -0.02% 1.11%
Pennymac Loan Services 22, -0.02% 0.40%
Fairway Independent Mort Corp 23, -0.01% 0.87%
Amerisave Mortgage Corporation 24, 0.00% 0.08%
Carrington Mortgage Services 25, 0.00% 0.03%
Mortgage America, Inc 26, 0.01% 0.64%
Home Point Financial Corporation 27, 0.01% 0.69%
Ditech Financial 28, 0.03% 0.03%
Movement Mortgage 29, 0.03% 0.40%
Finance of America Mortgage 30, 0.03% 6.60%
Summit Mortgage Corporation 31, 0.05% 2.73%
Newrez 32, 0.06% 0.58%
HomeBridge Financial Services, Inc 33, 0.07% 0.27%
Atlantic Home Loans, Inc 34, 0.07% 2.78%
NFM, Inc 35, 0.07% 0.27%
JG Wentworth Home Lending 36, 0.07% 0.27%
Stearns Lending 37, 0.08% 3.95%
Residential Home Funding Corp 38, 0.08% 0.48%
Cardinal Financial Company LP 39, 0.09% 0.34%
Quaint Oak Mortgage 40, 0.09% 0.37%
Navy Federal Credit Union 41, 0.10% 0.61%
Supreme Lending/ Everett Financial Inc 42, 0.11% 1.06%
AnnieMac Home Mortgage 43, 0.11% 1.06%
New American Funding 44, 0.11% 0.19%
Ark-La-Tex Financial Services 45, 0.11% 4.08%
United Mortgage Corp 46, 0.13% 0.27%
Nationstar Mortgage 47, 0.14% 0.21%
Caliber Home Loans Inc 48, 0.14% 1.80%
Homespire Mortgage Corporation 49, 0.15% 0.90%
Community Bank 50, 0.17% 5.27%
Flagstar Bank 51, 0.19% 0.34%
Quicken Loans 52, 0.25% 8.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.37% 4.03%
ESSA Bank & Trust 2, -0.29% 6.65%
NBT Bank 3, -0.16% 2.06%
Bank of America 4, -0.12% 1.36%
Peoples Security Bank and Trust Company 5, -0.12% 3.23%
Citizens Bank 6, -0.12% 3.61%
The Fidelity Deposit and Discount Bank 7, -0.11% 7.07%
Amerisave Mortgage Corporation 8, -0.06% 1.08%
Residential Mortgage Services 9, -0.06% 1.45%
First National Bank of Pennsylvania 10, -0.05% 3.75%
Guaranteed Rate Inc 11, -0.05% 0.75%
LoanDepot 12, -0.04% 2.72%
The Honesdale National Bank 13, -0.03% 4.36%
Newrez 14, -0.02% 1.64%
Trident Mortgage Company Lp 15, -0.01% 0.14%
AnnieMac Home Mortgage 16, -0.01% 0.14%
Home Point Financial Corporation 17, -0.01% 0.23%
Carrington Mortgage Services 18, 0.00% 0.23%
Summit Mortgage Corporation 19, 0.00% 0.28%
Navy Federal Credit Union 20, 0.00% 0.28%
TD Bank 21, 0.00% 0.23%
Cardinal Financial Company LP 22, 0.00% 0.33%
JPMorgan Chase Bank 23, 0.00% 2.30%
Mortgage America, Inc 24, 0.01% 0.05%
HomeBridge Financial Services, Inc 25, 0.01% 0.09%
Movement Mortgage 26, 0.01% 0.19%
New American Funding 27, 0.01% 0.09%
Stearns Lending 28, 0.01% 1.12%
Finance of America Mortgage 29, 0.01% 1.78%
Quaint Oak Mortgage 30, 0.02% 0.05%
Usaa Federal Savings Bank 31, 0.02% 0.23%
Atlantic Home Loans, Inc 32, 0.02% 0.14%
Homespire Mortgage Corporation 33, 0.02% 0.05%
M&T Bank 34, 0.03% 1.31%
Flagstar Bank 35, 0.03% 0.19%
Residential Home Funding Corp 36, 0.03% 0.05%
Pennymac Loan Services 37, 0.03% 0.52%
Jersey Shore State Bank 38, 0.03% 0.61%
Fairway Independent Mort Corp 39, 0.04% 0.05%
Caliber Home Loans Inc 40, 0.04% 0.75%
United Mortgage Corp 41, 0.04% 0.23%
Supreme Lending/ Everett Financial Inc 42, 0.05% 0.47%
Community Bank 43, 0.06% 5.67%
NFM, Inc 44, 0.06% 0.19%
Ditech Financial 45, 0.07% 0.70%
Ark-La-Tex Financial Services 46, 0.08% 0.94%
JG Wentworth Home Lending 47, 0.08% 0.28%
Freedom Mortgage Corporation 48, 0.11% 0.89%
Wells Fargo Bank 49, 0.12% 4.31%
Quicken Loans 50, 0.14% 18.50%
Pnc Bank 51, 0.14% 10.44%
Nationstar Mortgage 52, 0.32% 2.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.21% 4.17%
Pennymac Loan Services 2, -0.18% 1.47%
Summit Mortgage Corporation 3, -0.15% 3.33%
First National Bank of Pennsylvania 4, -0.14% 0.55%
Pnc Bank 5, -0.14% 1.10%
M&T Bank 6, -0.13% 1.10%
Home Point Financial Corporation 7, -0.09% 1.01%
Citizens Bank 8, -0.09% 1.64%
Stearns Lending 9, -0.06% 14.03%
Movement Mortgage 10, -0.05% 1.18%
Ditech Financial 11, -0.04% 0.63%
Bank of America 12, -0.03% 0.21%
The Honesdale National Bank 13, -0.03% 0.46%
Newrez 14, -0.02% 1.14%
NBT Bank 15, -0.02% 0.29%
TD Bank 16, -0.02% 0.08%
Trident Mortgage Company Lp 17, -0.02% 0.59%
Residential Mortgage Services 18, -0.01% 6.87%
Quaint Oak Mortgage 19, -0.01% 0.84%
Navy Federal Credit Union 20, -0.01% 0.17%
Carrington Mortgage Services 21, -0.01% 1.52%
Mortgage America, Inc 22, -0.01% 0.63%
Cardinal Financial Company LP 23, -0.00% 0.67%
Amerisave Mortgage Corporation 24, 0.01% 0.25%
Fairway Independent Mort Corp 25, 0.01% 0.93%
HomeBridge Financial Services, Inc 26, 0.01% 0.46%
Quicken Loans 27, 0.01% 15.42%
Wells Fargo Bank 28, 0.02% 0.13%
New American Funding 29, 0.02% 0.80%
Nationstar Mortgage 30, 0.04% 4.21%
Flagstar Bank 31, 0.04% 0.59%
Supreme Lending/ Everett Financial Inc 32, 0.05% 0.42%
Finance of America Mortgage 33, 0.06% 10.79%
Ark-La-Tex Financial Services 34, 0.07% 6.28%
Freedom Mortgage Corporation 35, 0.07% 0.84%
AnnieMac Home Mortgage 36, 0.08% 1.56%
Homespire Mortgage Corporation 37, 0.08% 2.70%
Residential Home Funding Corp 38, 0.10% 0.80%
LoanDepot 39, 0.10% 1.77%
JG Wentworth Home Lending 40, 0.12% 1.26%
NFM, Inc 41, 0.12% 1.22%
Guaranteed Rate Inc 42, 0.14% 1.69%
Atlantic Home Loans, Inc 43, 0.15% 2.87%
United Mortgage Corp 44, 0.17% 1.31%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.25% 4.15%
Pennymac Loan Services 2, -0.24% 1.30%
Summit Mortgage Corporation 3, -0.16% 3.85%
M&T Bank 4, -0.15% 1.10%
First National Bank of Pennsylvania 5, -0.15% 0.65%
Pnc Bank 6, -0.15% 1.25%
Home Point Financial Corporation 7, -0.11% 1.00%
Citizens Bank 8, -0.10% 1.55%
Stearns Lending 9, -0.06% 16.46%
Movement Mortgage 10, -0.05% 1.35%
Cardinal Financial Company LP 11, -0.05% 0.50%
Newrez 12, -0.04% 1.10%
Bank of America 13, -0.03% 0.25%
The Honesdale National Bank 14, -0.03% 0.55%
Trident Mortgage Company Lp 15, -0.02% 0.65%
NBT Bank 16, -0.02% 0.35%
TD Bank 17, -0.02% 0.10%
Residential Mortgage Services 18, -0.02% 8.05%
Navy Federal Credit Union 19, -0.02% 0.15%
Quaint Oak Mortgage 20, -0.01% 1.00%
Mortgage America, Inc 21, -0.01% 0.75%
Ditech Financial 22, 0.00% 0.10%
Nationstar Mortgage 23, 0.01% 3.25%
New American Funding 24, 0.01% 0.85%
Fairway Independent Mort Corp 25, 0.01% 1.00%
Amerisave Mortgage Corporation 26, 0.01% 0.10%
Wells Fargo Bank 27, 0.01% 0.15%
HomeBridge Financial Services, Inc 28, 0.02% 0.35%
Freedom Mortgage Corporation 29, 0.03% 0.55%
Flagstar Bank 30, 0.05% 0.50%
Supreme Lending/ Everett Financial Inc 31, 0.05% 0.45%
Finance of America Mortgage 32, 0.06% 12.26%
Carrington Mortgage Services 33, 0.06% 0.35%
Quicken Loans 34, 0.06% 10.36%
Ark-La-Tex Financial Services 35, 0.07% 7.40%
Homespire Mortgage Corporation 36, 0.08% 3.20%
Residential Home Funding Corp 37, 0.10% 0.90%
AnnieMac Home Mortgage 38, 0.11% 1.35%
NFM, Inc 39, 0.12% 1.45%
JG Wentworth Home Lending 40, 0.13% 1.35%
LoanDepot 41, 0.14% 1.30%
Guaranteed Rate Inc 42, 0.15% 1.90%
Atlantic Home Loans, Inc 43, 0.15% 3.35%
United Mortgage Corp 44, 0.18% 1.40%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.04% 42.51%
Citizens Bank 2, -0.04% 2.14%
Caliber Home Loans Inc 3, -0.03% 4.28%
Ditech Financial 4, -0.03% 3.48%
Carrington Mortgage Services 5, -0.01% 7.75%
Stearns Lending 6, -0.01% 1.07%
AnnieMac Home Mortgage 7, -0.00% 2.67%
Home Point Financial Corporation 8, 0.00% 1.07%
Pennymac Loan Services 9, 0.00% 2.41%
Guaranteed Rate Inc 10, 0.01% 0.53%
Movement Mortgage 11, 0.02% 0.27%
Amerisave Mortgage Corporation 12, 0.02% 1.07%
HomeBridge Financial Services, Inc 13, 0.02% 1.07%
Fairway Independent Mort Corp 14, 0.02% 0.53%
Navy Federal Credit Union 15, 0.02% 0.27%
Newrez 16, 0.02% 1.34%
Supreme Lending/ Everett Financial Inc 17, 0.02% 0.27%
Finance of America Mortgage 18, 0.03% 2.94%
Trident Mortgage Company Lp 19, 0.03% 0.27%
M&T Bank 20, 0.03% 1.07%
Residential Mortgage Services 21, 0.03% 0.53%
Ark-La-Tex Financial Services 22, 0.03% 0.27%
Flagstar Bank 23, 0.03% 1.07%
Pnc Bank 24, 0.03% 0.27%
JG Wentworth Home Lending 25, 0.05% 0.80%
New American Funding 26, 0.05% 0.53%
Atlantic Home Loans, Inc 27, 0.05% 0.27%
United Mortgage Corp 28, 0.05% 0.80%
LoanDepot 29, 0.05% 4.28%
Summit Mortgage Corporation 30, 0.06% 0.53%
Residential Home Funding Corp 31, 0.06% 0.27%
Cardinal Financial Company LP 32, 0.09% 1.60%
Nationstar Mortgage 33, 0.09% 9.36%
Freedom Mortgage Corporation 34, 0.14% 2.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pnc Bank 1, -0.02% 10.00%
Wells Fargo Bank 2, -0.01% 10.00%
The Fidelity Deposit and Discount Bank 3, -0.00% 26.67%
Bank of America 4, 0.00% 3.33%
JPMorgan Chase Bank 5, 0.00% 3.33%
Mortgage America, Inc 6, 0.00% 6.67%
First National Bank of Pennsylvania 7, 0.00% 23.33%
Quicken Loans 8, 0.01% 3.33%
Finance of America Mortgage 9, 0.01% 6.67%
Navy Federal Credit Union 10, 0.01% 6.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pnc Bank 1, -0.02% 15.00%
Wells Fargo Bank 2, -0.00% 10.00%
The Fidelity Deposit and Discount Bank 3, 0.00% 25.00%
Mortgage America, Inc 4, 0.00% 5.00%
Bank of America 5, 0.00% 5.00%
JPMorgan Chase Bank 6, 0.00% 5.00%
First National Bank of Pennsylvania 7, 0.00% 15.00%
Finance of America Mortgage 8, 0.01% 10.00%
Navy Federal Credit Union 9, 0.01% 10.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 10.00%
The Fidelity Deposit and Discount Bank 2, -0.00% 30.00%
Mortgage America, Inc 3, 0.00% 10.00%
First National Bank of Pennsylvania 4, 0.00% 40.00%
Quicken Loans 5, 0.01% 10.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.25% 8.81%
Home Point Financial Corporation 2, -0.06% 1.83%
Usaa Federal Savings Bank 3, -0.06% 14.68%
Summit Mortgage Corporation 4, -0.01% 5.69%
First National Bank of Pennsylvania 5, -0.01% 0.73%
Wells Fargo Bank 6, -0.00% 0.92%
Mortgage America, Inc 7, 0.00% 0.73%
NBT Bank 8, 0.00% 0.18%
Amerisave Mortgage Corporation 9, 0.00% 0.55%
M&T Bank 10, 0.01% 0.37%
The Honesdale National Bank 11, 0.01% 0.18%
Cardinal Financial Company LP 12, 0.01% 0.55%
Citizens Bank 13, 0.01% 0.37%
Movement Mortgage 14, 0.01% 0.55%
Supreme Lending/ Everett Financial Inc 15, 0.01% 0.37%
Pennymac Loan Services 16, 0.01% 2.75%
LoanDepot 17, 0.02% 4.95%
Guaranteed Rate Inc 18, 0.02% 1.47%
Ditech Financial 19, 0.02% 0.55%
Pnc Bank 20, 0.02% 1.28%
Residential Home Funding Corp 21, 0.02% 0.37%
JPMorgan Chase Bank 22, 0.02% 0.18%
Nationstar Mortgage 23, 0.03% 1.83%
Caliber Home Loans Inc 24, 0.03% 1.65%
Trident Mortgage Company Lp 25, 0.03% 0.37%
Carrington Mortgage Services 26, 0.03% 2.39%
NFM, Inc 27, 0.03% 0.73%
JG Wentworth Home Lending 28, 0.03% 0.55%
Atlantic Home Loans, Inc 29, 0.03% 1.47%
Homespire Mortgage Corporation 30, 0.03% 0.55%
Residential Mortgage Services 31, 0.04% 4.77%
Stearns Lending 32, 0.04% 5.32%
HomeBridge Financial Services, Inc 33, 0.04% 1.47%
Fairway Independent Mort Corp 34, 0.04% 0.55%
New American Funding 35, 0.04% 1.10%
Quaint Oak Mortgage 36, 0.05% 0.55%
Newrez 37, 0.05% 0.73%
AnnieMac Home Mortgage 38, 0.05% 1.47%
Ark-La-Tex Financial Services 39, 0.07% 4.77%
Quicken Loans 40, 0.07% 14.50%
Freedom Mortgage Corporation 41, 0.08% 1.47%
Flagstar Bank 42, 0.08% 0.92%
Finance of America Mortgage 43, 0.10% 4.77%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.24% 13.17%
Usaa Federal Savings Bank 2, -0.04% 17.93%
Summit Mortgage Corporation 3, 0.01% 7.84%
First National Bank of Pennsylvania 4, 0.01% 1.12%
Nationstar Mortgage 5, 0.02% 1.40%
Mortgage America, Inc 6, 0.02% 0.84%
Wells Fargo Bank 7, 0.02% 1.40%
NBT Bank 8, 0.02% 0.28%
Citizens Bank 9, 0.02% 0.28%
Home Point Financial Corporation 10, 0.02% 0.28%
Quicken Loans 11, 0.02% 6.44%
M&T Bank 12, 0.03% 0.28%
The Honesdale National Bank 13, 0.03% 0.28%
Movement Mortgage 14, 0.03% 0.56%
Pennymac Loan Services 15, 0.03% 0.28%
Supreme Lending/ Everett Financial Inc 16, 0.03% 0.28%
Cardinal Financial Company LP 17, 0.03% 0.28%
Guaranteed Rate Inc 18, 0.03% 1.96%
Pnc Bank 19, 0.04% 1.40%
Residential Home Funding Corp 20, 0.04% 0.56%
Fairway Independent Mort Corp 21, 0.04% 0.28%
HomeBridge Financial Services, Inc 22, 0.04% 0.28%
Freedom Mortgage Corporation 23, 0.04% 0.56%
JPMorgan Chase Bank 24, 0.04% 0.28%
Caliber Home Loans Inc 25, 0.04% 0.84%
Trident Mortgage Company Lp 26, 0.05% 0.56%
Atlantic Home Loans, Inc 27, 0.05% 2.24%
Homespire Mortgage Corporation 28, 0.05% 0.56%
Residential Mortgage Services 29, 0.05% 7.00%
Stearns Lending 30, 0.06% 7.56%
NFM, Inc 31, 0.06% 0.84%
Quaint Oak Mortgage 32, 0.06% 0.84%
Newrez 33, 0.07% 0.84%
New American Funding 34, 0.07% 1.12%
AnnieMac Home Mortgage 35, 0.08% 1.96%
Carrington Mortgage Services 36, 0.08% 0.56%
Ark-La-Tex Financial Services 37, 0.09% 6.72%
LoanDepot 38, 0.10% 2.24%
Flagstar Bank 39, 0.12% 1.12%
Finance of America Mortgage 40, 0.13% 6.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.10% 4.79%
Usaa Federal Savings Bank 2, -0.09% 8.51%
Finance of America Mortgage 3, -0.05% 1.06%
LoanDepot 4, -0.05% 10.11%
NFM, Inc 5, -0.04% 0.53%
Summit Mortgage Corporation 6, -0.03% 1.60%
Amerisave Mortgage Corporation 7, -0.03% 1.60%
Flagstar Bank 8, -0.03% 0.53%
Cardinal Financial Company LP 9, -0.03% 1.06%
Navy Federal Credit Union 10, -0.03% 0.53%
M&T Bank 11, -0.03% 0.53%
New American Funding 12, -0.02% 1.06%
Ark-La-Tex Financial Services 13, -0.02% 1.06%
Supreme Lending/ Everett Financial Inc 14, -0.02% 0.53%
Mortgage America, Inc 15, -0.02% 0.53%
Pennymac Loan Services 16, -0.02% 7.45%
Citizens Bank 17, -0.02% 0.53%
Ditech Financial 18, -0.02% 1.60%
Movement Mortgage 19, -0.02% 0.53%
Guaranteed Rate Inc 20, -0.01% 0.53%
Pnc Bank 21, -0.01% 1.06%
AnnieMac Home Mortgage 22, -0.01% 0.53%
Carrington Mortgage Services 23, -0.01% 5.85%
Caliber Home Loans Inc 24, -0.01% 3.19%
Newrez 25, -0.01% 0.53%
Stearns Lending 26, -0.00% 1.06%
JG Wentworth Home Lending 27, -0.00% 1.60%
Residential Mortgage Services 28, -0.00% 0.53%
Homespire Mortgage Corporation 29, 0.00% 0.53%
HomeBridge Financial Services, Inc 30, 0.01% 3.72%
Fairway Independent Mort Corp 31, 0.01% 1.06%
Nationstar Mortgage 32, 0.02% 2.66%
Freedom Mortgage Corporation 33, 0.06% 3.19%
Quicken Loans 34, 0.07% 29.79%

* Data is compiled for the Scranton, PA commuting zone area, which comprises of counties of Lackawanna County, PA, Luzerne County, PA, Monroe County, PA, Pike County, PA, Wayne County, PA, and Wyoming County, PA. This includes cities/towns/communities of Scranton, PA as well as Mountain Top, PA, Penn Estates, PA, Hazleton, PA, The Hideout, PA, Wilkes-Barre, PA, Hemlock Farms, PA, Chinchilla, PA, Beech Mountain Lakes, PA, Indian Mountain Lake, PA, Kingston, PA, Sierra View, PA, Saylorsburg, PA, Moscow, PA, Gold Key Lake, PA, Dunmore, PA, Saw Creek, PA, Effort, PA, Arlington Heights, PA, Trucksville, PA, Wallenpaupack Lake Estates, PA, Big Bass Lake, PA, Pocono Woodland Lakes, PA, Clarks Summit, PA, Pine Ridge, PA, Archbald, PA, Fawn Lake Forest, PA, Pocono Pines, PA, Mount Pocono, PA, Plains, PA, Old Forge, PA, Emerald Lakes, PA, Saw Creek, PA, Sun Valley, PA, Birchwood Lakes, PA, East Stroudsburg, PA, Blakely, PA, Carbondale, PA, Swoyersville, PA, Pittston, PA, Laurel Run, PA, Mountainhome, PA, Nanticoke, PA, Exeter, PA, Gouldsboro, PA, Olyphant, PA, West Hazleton, PA, Moosic, PA, East Berwick, PA, West Pittston, PA, and Forty Fort, 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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