Top Mortgage Lenders in the Williamsport, PA area

Which mortgage lender in the Williamsport, 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 Williamsport, 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 Williamsport, PA area is Pa State Employees Cu, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.26%. This means that Pa State Employees Cu provided a -0.26% lower interest rate for its customers than other lenders in Williamsport, PA for a similar set of borrowers. Pa State Employees Cu has a market share of 3.7%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 18.2%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.06% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Williamsport, 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 Williamsport, 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 M&T Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Stearns Lending. The cheapest VA mortgage provider is also Stearns Lending. 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.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.26% 3.70%
First National Bank of Pennsylvania 2, -0.14% 4.49%
Jersey Shore State Bank 3, -0.11% 9.52%
Stearns Lending 4, -0.11% 8.39%
Northwest Bank 5, -0.06% 2.58%
Santander Bank 6, -0.06% 4.56%
Pnc Bank 7, -0.03% 2.38%
M&T Bank 8, -0.01% 2.12%
Wells Fargo Bank 9, 0.00% 2.91%
Citizens & Northern Bank 10, 0.02% 14.14%
Residential Mortgage Services 11, 0.06% 8.20%
Quicken Loans 12, 0.06% 18.24%
Primelending 13, 0.11% 14.08%
First Citizens Community Bank 14, 0.13% 4.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.23% 2.32%
Jersey Shore State Bank 2, -0.13% 11.28%
Stearns Lending 3, -0.12% 12.64%
Santander Bank 4, -0.05% 4.11%
First National Bank of Pennsylvania 5, -0.05% 2.53%
Pnc Bank 6, -0.04% 1.05%
Citizens & Northern Bank 7, -0.02% 11.28%
Northwest Bank 8, -0.02% 1.79%
M&T Bank 9, -0.00% 1.79%
Wells Fargo Bank 10, 0.01% 2.32%
Residential Mortgage Services 11, 0.05% 12.75%
First Citizens Community Bank 12, 0.06% 3.37%
Quicken Loans 13, 0.08% 11.59%
Primelending 14, 0.11% 21.18%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.27% 6.03%
First National Bank of Pennsylvania 2, -0.18% 7.80%
Northwest Bank 3, -0.09% 3.90%
Santander Bank 4, -0.06% 5.32%
Jersey Shore State Bank 5, -0.04% 6.56%
Residential Mortgage Services 6, -0.03% 0.53%
Pnc Bank 7, -0.02% 4.61%
M&T Bank 8, -0.02% 2.66%
Stearns Lending 9, -0.01% 1.24%
Wells Fargo Bank 10, -0.00% 3.90%
Primelending 11, 0.04% 2.13%
Quicken Loans 12, 0.05% 29.43%
Citizens & Northern Bank 13, 0.07% 18.97%
First Citizens Community Bank 14, 0.19% 6.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.25% 4.93%
First National Bank of Pennsylvania 2, -0.14% 5.63%
Jersey Shore State Bank 3, -0.10% 12.66%
Northwest Bank 4, -0.06% 3.34%
Santander Bank 5, -0.06% 5.72%
Pnc Bank 6, -0.02% 3.08%
M&T Bank 7, 0.00% 2.02%
Wells Fargo Bank 8, 0.01% 3.52%
Residential Mortgage Services 9, 0.01% 4.31%
Stearns Lending 10, 0.02% 3.61%
Citizens & Northern Bank 11, 0.03% 18.82%
Quicken Loans 12, 0.09% 14.95%
Primelending 13, 0.10% 11.17%
First Citizens Community Bank 14, 0.13% 6.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.22% 3.44%
Jersey Shore State Bank 2, -0.12% 16.72%
Santander Bank 3, -0.05% 5.47%
First National Bank of Pennsylvania 4, -0.05% 3.44%
Pnc Bank 5, -0.03% 1.56%
Citizens & Northern Bank 6, -0.01% 16.72%
Northwest Bank 7, -0.01% 2.66%
Residential Mortgage Services 8, 0.01% 7.19%
M&T Bank 9, 0.02% 2.19%
Wells Fargo Bank 10, 0.02% 3.12%
Stearns Lending 11, 0.03% 5.78%
First Citizens Community Bank 12, 0.06% 5.00%
Primelending 13, 0.10% 18.28%
Quicken Loans 14, 0.12% 8.44%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.27% 6.84%
First National Bank of Pennsylvania 2, -0.19% 8.45%
Northwest Bank 3, -0.10% 4.23%
Santander Bank 4, -0.06% 6.04%
Jersey Shore State Bank 5, -0.04% 7.44%
Residential Mortgage Services 6, -0.03% 0.60%
Pnc Bank 7, -0.02% 5.03%
M&T Bank 8, -0.02% 1.81%
Stearns Lending 9, -0.01% 0.80%
Wells Fargo Bank 10, -0.01% 4.02%
Primelending 11, 0.04% 2.01%
Citizens & Northern Bank 12, 0.06% 21.53%
Quicken Loans 13, 0.08% 23.34%
First Citizens Community Bank 14, 0.19% 7.85%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.23% 23.24%
M&T Bank 2, -0.06% 2.82%
First National Bank of Pennsylvania 3, -0.03% 0.35%
Santander Bank 4, -0.02% 1.06%
Quicken Loans 5, 0.00% 26.41%
Residential Mortgage Services 6, 0.08% 22.89%
Primelending 7, 0.15% 23.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.24% 26.10%
M&T Bank 2, -0.08% 1.20%
First National Bank of Pennsylvania 3, -0.04% 0.40%
Santander Bank 4, -0.03% 1.20%
Quicken Loans 5, 0.03% 18.88%
Residential Mortgage Services 6, 0.07% 26.10%
Primelending 7, 0.15% 26.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.00% 80.00%
M&T Bank 2, 0.00% 14.29%
Stearns Lending 3, 0.02% 2.86%
Primelending 4, 0.03% 2.86%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
M&T Bank 1, -0.00% 25.00%
Northwest Bank 2, 0.00% 25.00%
First National Bank of Pennsylvania 3, 0.00% 50.00%
Insufficient data available.
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
M&T Bank 1, -0.00% 25.00%
Northwest Bank 2, 0.00% 25.00%
First National Bank of Pennsylvania 3, 0.00% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.04% 22.73%
First National Bank of Pennsylvania 2, -0.02% 1.14%
Residential Mortgage Services 3, -0.01% 11.36%
Pnc Bank 4, -0.01% 1.14%
Santander Bank 5, 0.00% 1.14%
Quicken Loans 6, 0.01% 35.23%
Wells Fargo Bank 7, 0.01% 4.55%
Primelending 8, 0.03% 22.73%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.04% 30.00%
First National Bank of Pennsylvania 2, -0.02% 1.67%
Residential Mortgage Services 3, -0.01% 16.67%
Santander Bank 4, 0.00% 1.67%
Wells Fargo Bank 5, 0.01% 3.33%
Primelending 6, 0.03% 31.67%
Quicken Loans 7, 0.04% 15.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.02% 7.14%
Pnc Bank 2, -0.01% 3.57%
Primelending 3, -0.01% 3.57%
Quicken Loans 4, 0.00% 78.57%
Wells Fargo Bank 5, 0.02% 7.14%

* Data is compiled for the Williamsport, PA commuting zone area, which comprises of counties of Bradford County, PA, Clinton County, PA, Lycoming County, PA, and Sullivan County, PA. This includes cities/towns/communities of Williamsport, PA as well as Montgomery, PA, Kenmar, PA, Garden View, PA, South Williamsport, PA, Muncy, PA, Mill Hall, PA, South Waverly, PA, Dunnstown, PA, Jersey Shore, PA, Hughesville, PA, Avis, PA, Flemington, PA, Lamar, PA, Lock Haven, PA, Sayre, PA, Dushore, PA, Rauchtown, PA, Montoursville, PA, Salladasburg, PA, Rome, PA, Canton, PA, Oval, PA, Troy, PA, Picture Rocks, PA, Monroe, PA, Le Raysville, PA, Athens, PA, Forksville, PA, Towanda, PA, Burlington, PA, Renovo, PA, Duboistown, PA, and Wyalusing, 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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