Top Mortgage Lenders in Pleasant Gap, PA

Which mortgage lender in the Pleasant Gap, 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 Pleasant Gap, 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 Pleasant Gap, PA area is Pa State Employees Cu, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.19%. This means that Pa State Employees Cu provided a -0.19% lower interest rate for its customers than other lenders in Pleasant Gap, PA for a similar set of borrowers. Pa State Employees Cu has a market share of 4.5%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 14.9%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.15% 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 Pleasant Gap, 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 Pleasant Gap, 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 First National Bank of Pennsylvania. 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 Caliber Home Loans Inc. 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 Pleasant Gap, PA

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.19% 4.48%
Northwest Bank 2, -0.17% 11.65%
Reliance Savings Bank 3, -0.06% 5.38%
Citizens Bank 4, -0.06% 7.22%
KISH Bank 5, -0.03% 12.83%
Stearns Lending 6, -0.02% 2.78%
Caliber Home Loans Inc 7, -0.01% 4.06%
Jersey Shore State Bank 8, 0.01% 1.70%
Pnc Bank 9, 0.01% 4.81%
M&T Bank 10, 0.03% 1.75%
Usaa Federal Savings Bank 11, 0.03% 1.56%
LoanDepot 12, 0.03% 1.46%
Home Point Financial Corporation 13, 0.03% 3.40%
Flagstar Bank 14, 0.04% 2.22%
First National Bank of Pennsylvania 15, 0.06% 9.62%
Fairway Independent Mort Corp 16, 0.07% 4.72%
Wells Fargo Bank 17, 0.08% 3.63%
Homeside Financial 18, 0.09% 1.84%
Quicken Loans 19, 0.15% 14.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northwest Bank 1, -0.14% 11.57%
Pa State Employees Cu 2, -0.09% 2.28%
Citizens Bank 3, -0.06% 7.85%
Pnc Bank 4, -0.05% 3.29%
Reliance Savings Bank 5, -0.03% 2.96%
Stearns Lending 6, -0.03% 4.31%
KISH Bank 7, -0.02% 15.37%
Caliber Home Loans Inc 8, -0.01% 5.49%
Jersey Shore State Bank 9, -0.00% 2.79%
Usaa Federal Savings Bank 10, 0.02% 1.86%
Wells Fargo Bank 11, 0.02% 3.89%
Home Point Financial Corporation 12, 0.03% 4.81%
LoanDepot 13, 0.03% 1.01%
M&T Bank 14, 0.04% 2.11%
Flagstar Bank 15, 0.06% 2.79%
First National Bank of Pennsylvania 16, 0.06% 5.91%
Fairway Independent Mort Corp 17, 0.07% 7.52%
Homeside Financial 18, 0.10% 2.36%
Quicken Loans 19, 0.12% 11.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.23% 7.26%
Northwest Bank 2, -0.20% 11.75%
Reliance Savings Bank 3, -0.07% 8.44%
Citizens Bank 4, -0.07% 6.41%
KISH Bank 5, -0.04% 9.62%
Caliber Home Loans Inc 6, -0.03% 2.24%
M&T Bank 7, -0.00% 1.28%
Flagstar Bank 8, -0.00% 1.50%
Fairway Independent Mort Corp 9, 0.02% 1.18%
Stearns Lending 10, 0.03% 0.85%
LoanDepot 11, 0.03% 2.03%
Home Point Financial Corporation 12, 0.03% 1.60%
Usaa Federal Savings Bank 13, 0.04% 1.18%
Pnc Bank 14, 0.06% 6.73%
First National Bank of Pennsylvania 15, 0.07% 14.32%
Jersey Shore State Bank 16, 0.08% 0.32%
Homeside Financial 17, 0.08% 1.18%
Wells Fargo Bank 18, 0.16% 3.31%
Quicken Loans 19, 0.18% 18.80%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.19% 5.36%
Northwest Bank 2, -0.17% 13.77%
Citizens Bank 3, -0.06% 7.05%
Reliance Savings Bank 4, -0.06% 6.38%
KISH Bank 5, -0.03% 14.95%
Caliber Home Loans Inc 6, 0.00% 2.71%
Stearns Lending 7, 0.01% 2.09%
Jersey Shore State Bank 8, 0.01% 2.03%
Pnc Bank 9, 0.02% 5.25%
Usaa Federal Savings Bank 10, 0.02% 1.07%
M&T Bank 11, 0.03% 1.86%
LoanDepot 12, 0.03% 1.07%
Flagstar Bank 13, 0.05% 1.47%
First National Bank of Pennsylvania 14, 0.07% 10.67%
Home Point Financial Corporation 15, 0.07% 1.86%
Fairway Independent Mort Corp 16, 0.07% 4.68%
Wells Fargo Bank 17, 0.09% 3.95%
Homeside Financial 18, 0.12% 1.41%
Quicken Loans 19, 0.20% 12.36%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northwest Bank 1, -0.14% 14.24%
Pa State Employees Cu 2, -0.09% 2.81%
Citizens Bank 3, -0.06% 7.69%
Pnc Bank 4, -0.05% 3.85%
Reliance Savings Bank 5, -0.03% 3.64%
KISH Bank 6, -0.02% 18.50%
Jersey Shore State Bank 7, 0.00% 3.43%
Stearns Lending 8, 0.00% 3.12%
Caliber Home Loans Inc 9, 0.01% 3.95%
Usaa Federal Savings Bank 10, 0.02% 1.46%
Wells Fargo Bank 11, 0.03% 4.05%
LoanDepot 12, 0.04% 0.94%
M&T Bank 13, 0.05% 2.29%
Home Point Financial Corporation 14, 0.07% 2.49%
Fairway Independent Mort Corp 15, 0.07% 7.90%
First National Bank of Pennsylvania 16, 0.08% 6.24%
Flagstar Bank 17, 0.08% 1.77%
Homeside Financial 18, 0.13% 1.77%
Quicken Loans 19, 0.15% 9.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.22% 8.40%
Northwest Bank 2, -0.20% 13.21%
Citizens Bank 3, -0.07% 6.30%
Reliance Savings Bank 4, -0.07% 9.63%
KISH Bank 5, -0.04% 10.74%
Caliber Home Loans Inc 6, -0.03% 1.23%
Flagstar Bank 7, -0.02% 1.11%
M&T Bank 8, -0.00% 1.36%
Fairway Independent Mort Corp 9, 0.02% 0.86%
Stearns Lending 10, 0.03% 0.86%
Usaa Federal Savings Bank 11, 0.03% 0.62%
LoanDepot 12, 0.03% 1.23%
Home Point Financial Corporation 13, 0.06% 1.11%
Pnc Bank 14, 0.07% 6.91%
First National Bank of Pennsylvania 15, 0.07% 15.93%
Jersey Shore State Bank 16, 0.08% 0.37%
Homeside Financial 17, 0.11% 0.99%
Wells Fargo Bank 18, 0.16% 3.83%
Quicken Loans 19, 0.24% 15.31%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.09% 10.88%
Citizens Bank 2, -0.08% 5.70%
Caliber Home Loans Inc 3, -0.05% 7.77%
Home Point Financial Corporation 4, -0.02% 17.10%
M&T Bank 5, 0.00% 0.52%
Pnc Bank 6, 0.02% 0.52%
LoanDepot 7, 0.02% 3.63%
First National Bank of Pennsylvania 8, 0.02% 1.55%
Homeside Financial 9, 0.03% 4.15%
Quicken Loans 10, 0.04% 38.34%
Flagstar Bank 11, 0.04% 7.25%
Fairway Independent Mort Corp 12, 0.05% 2.59%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Stearns Lending 1, -0.09% 14.49%
Citizens Bank 2, -0.08% 7.97%
Caliber Home Loans Inc 3, -0.05% 10.14%
Home Point Financial Corporation 4, -0.01% 21.01%
M&T Bank 5, 0.00% 0.72%
Pnc Bank 6, 0.02% 0.72%
First National Bank of Pennsylvania 7, 0.02% 1.45%
LoanDepot 8, 0.03% 1.45%
Homeside Financial 9, 0.04% 3.62%
Flagstar Bank 10, 0.05% 8.70%
Fairway Independent Mort Corp 11, 0.06% 2.90%
Quicken Loans 12, 0.07% 26.81%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.03% 7.27%
Quicken Loans 2, -0.00% 67.27%
Fairway Independent Mort Corp 3, 0.01% 1.82%
First National Bank of Pennsylvania 4, 0.01% 1.82%
LoanDepot 5, 0.01% 9.09%
Homeside Financial 6, 0.01% 5.45%
Caliber Home Loans Inc 7, 0.02% 1.82%
Flagstar Bank 8, 0.02% 3.64%
Stearns Lending 9, 0.03% 1.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First National Bank of Pennsylvania 1, -0.01% 25.64%
Pnc Bank 2, -0.01% 20.51%
Wells Fargo Bank 3, 0.00% 10.26%
Fairway Independent Mort Corp 4, 0.00% 2.56%
M&T Bank 5, 0.00% 5.13%
Northwest Bank 6, 0.00% 7.69%
KISH Bank 7, 0.01% 17.95%
Citizens Bank 8, 0.01% 5.13%
Quicken Loans 9, 0.02% 2.56%
Reliance Savings Bank 10, 0.02% 2.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
KISH Bank 1, -0.01% 21.05%
First National Bank of Pennsylvania 2, -0.00% 31.58%
Wells Fargo Bank 3, 0.00% 21.05%
M&T Bank 4, 0.00% 5.26%
Pnc Bank 5, 0.01% 5.26%
Citizens Bank 6, 0.01% 10.53%
Quicken Loans 7, 0.02% 5.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First National Bank of Pennsylvania 1, -0.01% 20.00%
Pnc Bank 2, -0.01% 35.00%
Fairway Independent Mort Corp 3, -0.00% 5.00%
Northwest Bank 4, 0.00% 15.00%
M&T Bank 5, 0.00% 5.00%
Reliance Savings Bank 6, 0.02% 5.00%
KISH Bank 7, 0.03% 15.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.05% 19.83%
Citizens Bank 2, -0.03% 12.93%
Flagstar Bank 3, -0.02% 6.03%
Wells Fargo Bank 4, -0.02% 2.59%
First National Bank of Pennsylvania 5, -0.02% 1.72%
M&T Bank 6, -0.01% 0.86%
LoanDepot 7, -0.00% 4.31%
Stearns Lending 8, 0.01% 0.86%
Usaa Federal Savings Bank 9, 0.01% 12.07%
Home Point Financial Corporation 10, 0.02% 5.17%
Fairway Independent Mort Corp 11, 0.03% 9.48%
Homeside Financial 12, 0.04% 5.17%
Quicken Loans 13, 0.04% 18.97%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Flagstar Bank 1, -0.04% 6.15%
Caliber Home Loans Inc 2, -0.04% 20.00%
Wells Fargo Bank 3, -0.03% 4.62%
Citizens Bank 4, -0.02% 9.23%
First National Bank of Pennsylvania 5, -0.02% 3.08%
LoanDepot 6, -0.02% 1.54%
M&T Bank 7, -0.02% 1.54%
Stearns Lending 8, -0.00% 1.54%
Usaa Federal Savings Bank 9, 0.01% 12.31%
Homeside Financial 10, 0.03% 9.23%
Home Point Financial Corporation 11, 0.04% 6.15%
Fairway Independent Mort Corp 12, 0.04% 13.85%
Quicken Loans 13, 0.04% 10.77%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.06% 19.61%
Citizens Bank 2, -0.03% 17.65%
Home Point Financial Corporation 3, -0.02% 3.92%
Fairway Independent Mort Corp 4, -0.02% 3.92%
Flagstar Bank 5, 0.00% 5.88%
LoanDepot 6, 0.01% 7.84%
Usaa Federal Savings Bank 7, 0.02% 11.76%
Quicken Loans 8, 0.05% 29.41%

* Data is compiled for the Pleasant Gap, PA commuting zone area, which comprises of counties of Centre County, PA, Huntingdon County, PA, Juniata County, PA, and Mifflin County, PA. This includes cities/towns/communities of Pleasant Gap, PA as well as Park Forest Village, PA, State College, PA, Pine Grove Mills, PA, Boalsburg, PA, Centre Hall, PA, Lemont, PA, Zion, PA, Bellefonte, PA, Port Matilda, PA, Millheim, PA, Highland Park, PA, Houserville, PA, Toftrees, PA, McAlisterville, PA, McConnellstown, PA, Stormstown, PA, Milesburg, PA, Birmingham, PA, Huntingdon, PA, Blanchard, PA, Juniata Terrace, PA, Petersburg, PA, North Philipsburg, PA, Philipsburg, PA, Snow Shoe, PA, Lewistown, PA, Church Hill, PA, Port Royal, PA, Milroy, PA, Mapleton, PA, Belleville, PA, Richfield, PA, Mill Creek, PA, Thompsontown, PA, Three Springs, PA, McVeytown, PA, Alfarata, PA, Kistler, PA, Broad Top City, PA, Allenport, PA, Burnham, PA, Mount Union, PA, East Rutherford, PA, and Shade Gap, 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

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