The MFP Home Loan Lenders Community Survey gathers Pennsylvania’s homeowners feedback and lenders recommendations for home loan mortgages. Shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: June 9, 2025
<< Human Powered Recommendations >>
Pennsylvania Best Home Loan Lenders
Philadelphia, Pittsburgh, Allentown, Reading, Erie, Upper Darby, Scranton, Bethlehem, Lancaster, Harrisburg, Online lenders.
Pennsylvania Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase loan mortgage lenders across Pennsylvania by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.31 | 4.31 | 4.46 | 85% |
| Community Banks | 4.10 | 4.23 | 4.33 | 86% |
| Banks | 4.20 | 4.26 | 4.38 | 85% |
| Online Lenders | 4.30 | 3.90 | 4.27 | 86% |
Recommendations are gathered from 1,290 local members who shopped and requested a new home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your home mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Pennsylvania Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Pennsylvania Homeowners.
Philadelphia Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Philadelphia’s area are Pennsylvania State Employees Credit Union, Citadel Credit Union and PNC Bank.
Pennsylvania State Employees Credit Union (95% Recommend)
- Highest Recommend % (95%) and 4.8 Support & Guidance score, leading in customer satisfaction.
- Homeowners love its streamlined mortgage process and responsive loan officers.
Citadel Credit Union (94% Recommend)
- Top-tier Loan Terms & Rate (4.7) and Easy Application (4.6) scores.
- Surveys highlight transparent rate locks and no hidden fees.
PNC Bank (92% Recommend)
- Balanced metrics: 4.5 Easy Application, 4.6 Loan Terms, and 4.7 Support & Guidance.
- Liked for same-day pre-approvals and bilingual loan specialists.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Pennsylvania State Employees Credit Union | Credit Union | 4.5 | 4.7 | 4.8 | 95% |
| Citadel Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 94% |
| PNC Bank | Bank | 4.5 | 4.6 | 4.7 | 92% |
| Fulton Bank | Bank | 4.4 | 4.5 | 4.6 | 90% |
| Homeowners 1st Federal Credit Union | Credit Union | 4.3 | 4.5 | 4.6 | 89% |
| Huntington Bank | Bank | 4.3 | 4.4 | 4.5 | 88% |
| Police & Fire Credit Union | Credit Union | 4.2 | 4.4 | 4.5 | 87% |
| M&T Bank | Bank | 4.2 | 4.3 | 4.4 | 86% |
| Trumark Financial Credit Union | Credit Union | 4.1 | 4.3 | 4.4 | 85% |
| Santander Bank | Bank | 4.1 | 4.2 | 4.3 | 84% |
| Penn Community Bank | Community Bank | 4.0 | 4.2 | 4.3 | 83% |
| The Ephrata National Bank | Community Bank | 4.0 | 4.1 | 4.2 | 82% |
| TriState Capital Bank | Bank | 3.9 | 4.1 | 4.2 | 81% |
| Provident Bank | Bank | 3.9 | 4.0 | 4.1 | 80% |
| New Cumberland Credit Union | Credit Union | 3.8 | 4.0 | 4.1 | 79% |
Pittsburgh Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Pittsburgh’s area are PNC Bank, Pennsylvania State Employees Credit Union and Dollar Bank.
PNC Bank (94% Recommend)
- Highest Recommend % (94%) and 4.7 Support & Guidance score, leading in customer satisfaction.
- Homeowners highlight streamlined mortgage approvals and competitive jumbo loan rates.
Pennsylvania State Employees Credit Union (93% Recommend)
- Top-tier Loan Terms & Rate (4.6) and Easy Application (4.5) scores.
- Homeowners love personalized service and flexible first-time homebuyer programs.
Dollar Bank (92% Recommend)
- Balanced metrics: 4.4 Easy Application, 4.6 Loan Terms, and 4.6 Support & Guidance.
- Liked for transparent rate locks and local underwriting decisions.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| PNC Bank | Bank | 4.5 | 4.6 | 4.7 | 94% |
| Pennsylvania State Employees Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 93% |
| Dollar Bank | Bank | 4.4 | 4.6 | 4.6 | 92% |
| First National Bank | Bank | 4.3 | 4.5 | 4.5 | 90% |
| Northwest Bank | Bank | 4.2 | 4.4 | 4.5 | 89% |
| Citizens Bank | Bank | 4.2 | 4.3 | 4.4 | 88% |
| Huntington Bank | Bank | 4.1 | 4.3 | 4.4 | 87% |
| ESB Bank | Community Bank | 4.1 | 4.2 | 4.3 | 86% |
| Fidelity Bank | Bank | 4.0 | 4.2 | 4.3 | 85% |
| S&T Bank | Bank | 4.0 | 4.1 | 4.2 | 84% |
| First Commonwealth Bank | Bank | 3.9 | 4.1 | 4.2 | 83% |
| Standard Bank | Bank | 3.9 | 4.0 | 4.1 | 82% |
| Fulton Bank | Bank | 3.8 | 4.0 | 4.1 | 81% |
| CNB Bank | Community Bank | 3.8 | 3.9 | 4.0 | 80% |
| Farmers National Bank | Community Bank | 3.7 | 3.9 | 4.0 | 79% |
Allentown Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Allentown’s area are Penn Community Bank, Allentown Federal Credit Union and New Tripoli Bank.
Penn Community Bank (93% Recommend)
- Highest Recommend % (93%) and 4.7 Support & Guidance score, leading in customer satisfaction.
- Homeowners love its personalized service and local decision-making for mortgage approvals.
Allentown Federal Credit Union (91% Recommend)
- Top-tier Loan Terms & Rate (4.6) and Easy Application (4.5) scores.
- Homeowners highlight responsive loan officers and competitive first-time homebuyer programs.
New Tripoli Bank (90% Recommend)
- Balanced metrics: 4.4 Easy Application, 4.5 Loan Terms, and 4.6 Support & Guidance.
- Liked for transparent rate locks and flexible mortgage assistance programs.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Penn Community Bank | Community Bank | 4.5 | 4.6 | 4.7 | 93% |
| Allentown Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 91% |
| New Tripoli Bank | Community Bank | 4.4 | 4.5 | 4.6 | 90% |
| First Commonwealth Federal Credit Union | Credit Union | 4.3 | 4.4 | 4.5 | 88% |
| Fulton Bank | Bank | 4.2 | 4.3 | 4.4 | 87% |
| PNC Bank | Bank | 4.2 | 4.3 | 4.4 | 86% |
| Citizens Bank | Bank | 4.1 | 4.2 | 4.3 | 85% |
| ESB Bank | Community Bank | 4.0 | 4.2 | 4.3 | 84% |
| Northwest Bank | Bank | 4.0 | 4.1 | 4.2 | 83% |
| M&T Bank | Bank | 3.9 | 4.1 | 4.2 | 82% |
Reading Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Reading’s area are Penn Community Bank, M&T Bank and First National Bank.
Penn Community Bank (94% Recommend)
- Highest Recommend % (94%) and 4.7 Support & Guidance score, leading in customer satisfaction.
- Homeowners highlight personalized service and local decision-making for mortgage approvals.
M&T Bank (92% Recommend)
- Top-tier Loan Terms & Rate (4.6) and Easy Application (4.5) scores.
- Surveys note streamlined mortgage approvals and competitive jumbo loan rates.
First National Bank (90% Recommend)
- Balanced metrics: 4.4 Easy Application, 4.5 Loan Terms, and 4.6 Support & Guidance.
- Liked for transparent rate locks and flexible mortgage assistance programs.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Penn Community Bank | Community Bank | 4.5 | 4.6 | 4.7 | 94% |
| M&T Bank | Bank | 4.5 | 4.6 | 4.6 | 92% |
| First National Bank | Bank | 4.4 | 4.5 | 4.6 | 90% |
| Fulton Bank | Bank | 4.3 | 4.4 | 4.5 | 88% |
| Homeowners 1st Federal Credit Union | Credit Union | 4.2 | 4.3 | 4.4 | 87% |
| Citizens Bank | Bank | 4.1 | 4.2 | 4.3 | 86% |
| First Commonwealth Federal Credit Union | Credit Union | 4.0 | 4.1 | 4.2 | 85% |
| Huntington Bank | Bank | 4.0 | 4.1 | 4.2 | 84% |
| Santander Bank | Bank | 3.9 | 4.0 | 4.1 | 83% |
| Northwest Bank | Bank | 3.8 | 4.0 | 4.1 | 82% |
Erie Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Erie’s area are Erie Federal Credit Union, Northwest Bank and PNC Bank.
Erie Federal Credit Union (95% Recommend)
- Highest Recommend % (95%) and 4.8 Support & Guidance score, leading in customer satisfaction.
- Homeowners highlight personalized service and competitive first-time homebuyer programs.
Northwest Bank (92% Recommend)
- Top-tier Loan Terms & Rate (4.6) and Easy Application (4.5) scores.
- Surveys note streamlined mortgage approvals and transparent rate locks.
PNC Bank (90% Recommend)
- Balanced metrics: 4.4 Easy Application, 4.5 Loan Terms, and 4.6 Support & Guidance.
- Liked for local underwriting decisions and responsive loan officers.
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Erie Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 95% |
| Northwest Bank | Bank | 4.5 | 4.6 | 4.6 | 92% |
| PNC Bank | Bank | 4.4 | 4.5 | 4.6 | 90% |
| First National Bank | Bank | 4.3 | 4.4 | 4.5 | 88% |
| Citizens Bank | Bank | 4.2 | 4.3 | 4.4 | 87% |
| Fidelity Bank | Bank | 4.1 | 4.2 | 4.3 | 86% |
| ESB Bank | Community Bank | 4.0 | 4.1 | 4.2 | 85% |
| First Commonwealth Federal Credit Union | Credit Union | 3.9 | 4.0 | 4.1 | 84% |
| Huntington Bank | Bank | 3.8 | 4.0 | 4.1 | 83% |
| M&T Bank | Bank | 3.7 | 3.9 | 4.0 | 82% |
Upper Darby Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Upper Darby’s area are Forge Federal Credit Union, Citizens Bank, and ESSA Bank & Trust.
Forge Federal Credit Union (89% Recommend)
- Highest Recommend % among all lenders, with strong scores: 4.7 Easy Application, 4.6 Loan Terms, 4.8 Support & Guidance.
- Homeowners love personalized service and efficient loan processing.
Citizens Bank (85% Recommend)
- Strong ratings: 4.5 Easy Application, 4.4 Loan Terms, 4.6 Support & Guidance.
- Homeowners appreciate the knowledgeable staff and smooth application process.
ESSA Bank & Trust (83% Recommend)
- Solid scores: 4.4 Easy Application, 4.3 Loan Terms, 4.5 Support & Guidance.
- Users highlight the bank’s commitment to customer satisfaction and clear communication.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Forge Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 89% |
| Citizens Bank | Bank | 4.5 | 4.4 | 4.6 | 85% |
| ESSA Bank & Trust | Bank | 4.4 | 4.3 | 4.5 | 83% |
| Sun East Federal Credit Union | Credit Union | 4.3 | 4.2 | 4.4 | 80% |
| TruMark Financial Credit Union | Credit Union | 4.2 | 4.1 | 4.3 | 78% |
| Franklin Mint Federal Credit Union | Credit Union | 4.1 | 4.0 | 4.2 | 76% |
| Delco Postal Credit Union | Credit Union | 4.0 | 3.9 | 4.1 | 74% |
| Wells Fargo Bank | Bank | 3.9 | 3.8 | 4.0 | 72% |
Scranton Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Scranton’s area are Wayne Bank, Citizens Savings Bank, and NET Credit Union.
Wayne Bank (91% Recommend)
- Top scores: 4.8 Easy Application, 4.7 Loan Terms, 4.9 Support & Guidance.
- Homeowners commend personalized service and efficient loan processing.
Citizens Savings Bank (88% Recommend)
- Strong ratings: 4.6 Easy Application, 4.5 Loan Terms, 4.7 Support & Guidance.
- Homeowners appreciate clear communication and responsive staff.
NET Credit Union (85% Recommend)
- High marks: 4.5 Easy Application, 4.4 Loan Terms, 4.6 Support & Guidance.
- Homeowners highlight community focus and friendly service.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Wayne Bank | Bank | 4.8 | 4.7 | 4.9 | 91% |
| Citizens Savings Bank | Bank | 4.6 | 4.5 | 4.7 | 88% |
| NET Credit Union | Credit Union | 4.5 | 4.4 | 4.6 | 85% |
| Fidelity Bank | Bank | 4.4 | 4.3 | 4.5 | 83% |
| Meridian Bank | Bank | 4.3 | 4.2 | 4.4 | 81% |
| Community Bank, N.A. | Bank | 4.2 | 4.1 | 4.3 | 79% |
| Penn East Federal Credit Union | Credit Union | 4.1 | 4.0 | 4.2 | 77% |
| PNC Bank | Bank | 4.0 | 3.9 | 4.1 | 75% |
Bethlehem Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Bethlehem’s area are First Commonwealth Federal Credit Union, Bethlehem 1st Federal Credit Union, and Embassy Bank for the Lehigh Valley.
First Commonwealth Federal Credit Union (88% Recommend)
- Top scores: 4.7 Easy Application, 4.6 Loan Terms, 4.8 Support & Guidance.
- Homeowners love personalized service and efficient loan processing.
Bethlehem 1st Federal Credit Union (85% Recommend)
- Strong ratings: 4.5 Easy Application, 4.4 Loan Terms, 4.6 Support & Guidance.
- Homeowners appreciate the community focus and responsive staff.
Embassy Bank for the Lehigh Valley (83% Recommend)
- Solid scores: 4.4 Easy Application, 4.3 Loan Terms, 4.5 Support & Guidance.
- Users highlight the bank’s commitment to customer satisfaction and clear communication.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Commonwealth Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 88% |
| Bethlehem 1st Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.6 | 85% |
| Embassy Bank for the Lehigh Valley | Bank | 4.4 | 4.3 | 4.5 | 83% |
| PNC Bank | Bank | 4.3 | 4.2 | 4.4 | 80% |
| Citadel Credit Union | Credit Union | 4.2 | 4.1 | 4.3 | 78% |
| People First Federal Credit Union | Credit Union | 4.1 | 4.0 | 4.2 | 76% |
| TD Bank | Bank | 4.0 | 3.9 | 4.1 | 74% |
| Wells Fargo Bank | Bank | 3.9 | 3.8 | 4.0 | 72% |
Lancaster Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Lancaster’s area are Jonestown Bank & Trust Co., Presence Bank, and Univest Bank and Trust Co.
Jonestown Bank & Trust Co. (85% Recommend)
- Top scores: 4.7 Easy Application, 4.6 Loan Terms, 4.8 Support & Guidance.
- Homeowners highlight personalized service and efficient loan processing.
Presence Bank (84% Recommend)
- Strong ratings: 4.6 Easy Application, 4.5 Loan Terms, 4.7 Support & Guidance.
- Homeowners appreciate the bank’s commitment to community and responsive staff.
Univest Bank and Trust Co. (83% Recommend)
- Solid scores: 4.5 Easy Application, 4.4 Loan Terms, 4.6 Support & Guidance.
- Users commend the bank’s clear communication and customer focus.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Jonestown Bank & Trust Co. | Bank | 4.7 | 4.6 | 4.8 | 85% |
| Presence Bank | Bank | 4.6 | 4.5 | 4.7 | 84% |
| Univest Bank and Trust Co. | Bank | 4.5 | 4.4 | 4.6 | 83% |
| Bank of Bird-in-Hand | Bank | 4.4 | 4.3 | 4.5 | 82% |
| Belco Community Credit Union | Credit Union | 4.3 | 4.2 | 4.4 | 81% |
| Citadel Credit Union | Credit Union | 4.2 | 4.1 | 4.3 | 80% |
| Homeowners 1st Federal Credit Union | Credit Union | 4.1 | 4.0 | 4.2 | 79% |
| PNC Bank | Bank | 4.0 | 3.9 | 4.1 | 78% |
Harrisburg Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Harrisburg’s area are Susquehanna Valley Federal Credit Union, Pennsylvania State Employees Credit Union, and Belco Community Credit Union.
Susquehanna Valley Federal Credit Union (93% Recommend)
- Highest Support & Guidance rating at 4.9, with 4.8 in Easy Application and 4.7 in Loan Terms.
- Homeowners love the personalized service and attentive loan department.
Pennsylvania State Employees Credit Union (91% Recommend)
- Strong scores: 4.7 Easy Application, 4.6 Loan Terms, 4.8 Support & Guidance.
- Homeowners value the consistent, member-focused experience and low fees.
Belco Community Credit Union (89% Recommend)
- Solid ratings: 4.6 Easy Application, 4.5 Loan Terms, 4.7 Support & Guidance.
- Homeowners appreciate the credit union’s responsiveness and community involvement.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Susquehanna Valley Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.9 | 93% |
| Pennsylvania State Employees Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 91% |
| Belco Community Credit Union | Credit Union | 4.6 | 4.5 | 4.7 | 89% |
| Homeowners 1st Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.6 | 88% |
| Mid Penn Bank | Bank | 4.4 | 4.3 | 4.5 | 87% |
| New Cumberland Federal Credit Union | Credit Union | 4.3 | 4.2 | 4.4 | 86% |
| PA Central Federal Credit Union | Credit Union | 4.2 | 4.1 | 4.3 | 85% |
| AmeriChoice Federal Credit Union | Credit Union | 4.1 | 4.0 | 4.2 | 84% |
Pennsylvania Best Online Home Loans Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Pennsylvania residents are Rocket Mortgage, Guaranteed Rate, and American Heritage Credit Union.
| Lender | Loan Amounts | APR Range (PA) | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $100k – $2.5M | 5.99% – 7.85% | 15/20/30 | 5.0 | 4.5 | 4.5 | 95% |
| Guaranteed Rate | $50K – $1.5M | 5.75% – 7.50% | 10/15/20/30 | 4.5 | 4.5 | 4.5 | 93% |
| American Heritage Credit Union | $50K – $1.5M | 5.375% – 7.472% | 10/15/20/30 | 4.5 | 4.0 | 4.5 | 91% |
| New American Funding | $100K – $3M | 6.25% – 8.25% | 15/30 | 4.5 | 4.0 | 5.0 | 92% |
| Better Mortgage | $100K – $2M | 6.00% – 8.00% | 15/20/30 | 5.0 | 4.0 | 4.0 | 90% |
| LoanDepot | $50K – $1M | 6.50% – 8.75% | 15/30 | 4.0 | 3.5 | 4.5 | 88% |
| Penn Community Bank | $100K – $2M | 5.75% – 7.25% | 15/30 | 4.0 | 4.0 | 4.0 | 88% |
| CrossCountry Mortgage | $100K – $2M | 6.00% – 8.25% | 15/20/30 | 4.0 | 3.5 | 4.5 | 85% |
| Fairway Independent Mortgage | $50K – $1M | 6.00% – 7.99% |
10/15/20 /30 |
4.5 | 4.0 | 4.5 | 84% |
| Caliber Home Loans | $100K – $2M | 6.50% – 8.25% | 15/30 | 4.0 | 3.5 | 4.0 | 83% |
| NBKC Bank | $100K – $1.5M | 5.99% – 7.75% | 15/20/30 | 4.5 | 4.5 | 4.0 | 82% |
| Movement Mortgage | $50K – $1M | 6.25% – 8.00% | 15/30 | 4.0 | 4.0 | 4.0 | 81% |
| PrimeLending | $50K – $1M | 6.50% – 8.50% | 15/30 | 4.0 | 3.5 | 4.0 | 79% |
| Freedom Mortgage | $50K – $1.5M | 6.25% – 8.50% | 15/30 | 4.0 | 3.5 | 4.0 | 78% |
| Academy Mortgage | $100K – $1M | 6.25% – 8.00% | 15/20/30 | 4.0 | 3.5 | 4.0 | 77% |
