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, provides an objective and data driven ranking of mortgage lenders operating in the Scranton, PA area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Scranton, PA area in terms of interest rate is PSECU, with an average “Rate Difference” of -0.33%. This means that, comparing similar borrowers, PSECU provided a -0.33% lower interest rate for its customers than other lenders in the area. PSECU has a market share of 1.8%. On the other hand, the most popular lender in the Scranton, PA area is Quicken Loans, with a larger market share of 13.3%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.12% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in 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, going by historical data, the cheapest lender for Conventional mortgages in Scranton, PA is PSECU. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), 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. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Scranton, PA

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
ESSA Bank & Trust-0.26%(5.0)3.39%
NBT Bank-0.23%(4.5)1.69%
Bank of America-0.21%(4.5)1.20%
Navy Federal Credit Union-0.12%(4.0)0.96%
TD Bank-0.10%(4.0)0.44%
Peoples Security Bank and Trust Company-0.10%(4.0)1.62%
JPMorgan Chase Bank-0.08%(4.0)2.15%
Honesdale National Bank-0.08%(4.0)2.84%
PennyMac Loan Services-0.08%(4.0)0.89%
M&T Bank-0.07%(4.0)1.41%
First National Bank of Pennsylvania-0.07%(4.0)1.69%
Fidelity Bank Pennsylvania-0.07%(4.0)4.41%
Caliber Home Loans-0.06%(4.0)2.24%
Jersey Shore State Bank-0.06%(4.0)0.55%
Trident Mortgage-0.05%(4.0)0.70%
Amerisave Mortgage Corporation-0.04%(3.5)0.40%
Home Point Financial Corporation-0.04%(3.5)0.76%
Residential Mortgage Services-0.03%(3.5)5.36%
Summit Mortgage Corporation-0.03%(3.5)2.56%
Movement Mortgage-0.01%(3.5)0.58%
Stearns Home Loans-0.01%(3.5)6.25%
Wells Fargo Bank-0.00%(3.5)3.89%
Fairway Independent Mortgage Corporation0.00%(3.5)0.69%
Guaranteed Rate0.00%(3.5)1.90%
Mortgage America0.00%(3.5)0.54%
Carrington Mortgage Services0.00%(3.5)0.64%
Cardinal Financial Company0.03%(3.5)0.46%
Quaint Oak Mortgage0.03%(3.5)0.44%
Freedom Mortgage Corporation0.03%(3.5)1.04%
HomeBridge Financial Services0.04%(3.5)0.36%
New American Funding0.04%(3.5)0.40%
Finance of America Mortgage0.05%(3.5)6.67%
PNC Bank0.06%(3.0)4.44%
Supreme Lending0.08%(3.0)0.72%
AnnieMac Home Mortgage0.09%(3.0)1.03%
Atlantic Home Loans0.10%(3.0)2.15%
Flagstar Bank0.10%(3.0)0.42%
NFM Lending0.10%(3.0)0.55%
Homespire Mortgage0.11%(3.0)1.19%
Community Bank NA0.12%(3.0)3.74%
Quicken Loans0.12%(3.0)13.33%
Mr. Cooper0.12%(3.0)1.93%
United Mortgage Corp0.15%(3.0)0.54%
Lender NameRate DifferenceRate RatingMarket Share
NBT Bank-0.26%(5.0)1.69%
Bank of America-0.24%(4.5)1.24%
ESSA Bank & Trust-0.22%(4.5)2.47%
PennyMac Loan Services-0.15%(4.5)0.70%
Navy Federal Credit Union-0.13%(4.0)1.24%
TD Bank-0.12%(4.0)0.55%
JPMorgan Chase Bank-0.11%(4.0)2.25%
Honesdale National Bank-0.10%(4.0)2.50%
M&T Bank-0.10%(4.0)1.47%
First National Bank of Pennsylvania-0.09%(4.0)1.02%
Jersey Shore State Bank-0.09%(4.0)0.57%
Peoples Security Bank and Trust Company-0.08%(4.0)1.17%
Caliber Home Loans-0.07%(4.0)2.57%
Trident Mortgage-0.06%(4.0)0.94%
PNC Bank-0.05%(4.0)2.57%
Wells Fargo Bank-0.05%(4.0)4.01%
Home Point Financial Corporation-0.04%(3.5)0.78%
Fidelity Bank Pennsylvania-0.04%(3.5)3.74%
Summit Mortgage Corporation-0.03%(3.5)3.47%
Residential Mortgage Services-0.03%(3.5)7.10%
Movement Mortgage-0.02%(3.5)0.73%
Stearns Home Loans-0.01%(3.5)8.43%
Freedom Mortgage Corporation-0.01%(3.5)0.92%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.90%
Mortgage America0.00%(3.5)0.72%
Amerisave Mortgage Corporation0.01%(3.5)0.08%
Guaranteed Rate0.01%(3.5)2.40%
Mr. Cooper0.03%(3.5)1.30%
Cardinal Financial Company0.03%(3.5)0.40%
Quaint Oak Mortgage0.03%(3.5)0.62%
New American Funding0.05%(3.5)0.47%
HomeBridge Financial Services0.05%(3.5)0.30%
Finance of America Mortgage0.05%(3.5)8.68%
Carrington Mortgage Services0.06%(3.0)0.17%
Supreme Lending0.09%(3.0)0.83%
Atlantic Home Loans0.10%(3.0)3.01%
AnnieMac Home Mortgage0.10%(3.0)1.24%
Homespire Mortgage0.11%(3.0)1.67%
NFM Lending0.11%(3.0)0.70%
Flagstar Bank0.13%(3.0)0.45%
Community Bank NA0.17%(2.5)3.32%
Quicken Loans0.17%(2.5)8.90%
United Mortgage Corp0.17%(2.5)0.63%
Lender NameRate DifferenceRate RatingMarket Share
ESSA Bank & Trust-0.30%(5.0)5.51%
NBT Bank-0.16%(4.5)1.71%
Bank of America-0.13%(4.0)1.13%
Peoples Security Bank and Trust Company-0.13%(4.0)2.68%
Fidelity Bank Pennsylvania-0.11%(4.0)5.98%
Residential Mortgage Services-0.05%(4.0)1.32%
First National Bank of Pennsylvania-0.05%(4.0)3.26%
Amerisave Mortgage Corporation-0.05%(4.0)1.13%
Guaranteed Rate-0.04%(3.5)0.74%
Home Point Financial Corporation-0.04%(3.5)0.70%
Honesdale National Bank-0.04%(3.5)3.61%
AnnieMac Home Mortgage-0.01%(3.5)0.54%
Trident Mortgage-0.01%(3.5)0.16%
Carrington Mortgage Services-0.01%(3.5)1.75%
TD Bank-0.00%(3.5)0.19%
JPMorgan Chase Bank-0.00%(3.5)1.90%
Navy Federal Credit Union-0.00%(3.5)0.31%
Caliber Home Loans0.00%(3.5)1.48%
Stearns Home Loans0.00%(3.5)1.17%
Summit Mortgage Corporation0.01%(3.5)0.43%
Movement Mortgage0.01%(3.5)0.23%
Finance of America Mortgage0.01%(3.5)1.98%
Mortgage America0.01%(3.5)0.12%
Quaint Oak Mortgage0.01%(3.5)0.04%
PennyMac Loan Services0.01%(3.5)1.32%
New American Funding0.02%(3.5)0.23%
Flagstar Bank0.02%(3.5)0.35%
Atlantic Home Loans0.02%(3.5)0.16%
M&T Bank0.02%(3.5)1.28%
HomeBridge Financial Services0.02%(3.5)0.50%
Homespire Mortgage0.03%(3.5)0.08%
Fairway Independent Mortgage Corporation0.03%(3.5)0.19%
Jersey Shore State Bank0.03%(3.5)0.50%
Cardinal Financial Company0.03%(3.5)0.58%
United Mortgage Corp0.04%(3.5)0.31%
Supreme Lending0.04%(3.5)0.47%
NFM Lending0.04%(3.5)0.19%
Community Bank NA0.05%(3.0)4.70%
Quicken Loans0.08%(3.0)23.65%
Freedom Mortgage Corporation0.11%(3.0)1.32%
Wells Fargo Bank0.12%(3.0)3.61%
PNC Bank0.14%(3.0)8.78%
Mr. Cooper0.21%(2.5)3.38%
Lender NameRate DifferenceRate RatingMarket Share
ESSA Bank & Trust-0.26%(5.0)5.08%
NBT Bank-0.24%(4.5)2.40%
Bank of America-0.22%(4.5)1.70%
TD Bank-0.11%(4.0)0.63%
Peoples Security Bank and Trust Company-0.10%(4.0)2.43%
JPMorgan Chase Bank-0.08%(4.0)3.19%
Honesdale National Bank-0.08%(4.0)4.05%
Trident Mortgage-0.07%(4.0)0.77%
Fidelity Bank Pennsylvania-0.07%(4.0)6.48%
First National Bank of Pennsylvania-0.06%(4.0)2.12%
Amerisave Mortgage Corporation-0.06%(4.0)0.44%
Jersey Shore State Bank-0.05%(4.0)0.82%
M&T Bank-0.05%(4.0)1.63%
Residential Mortgage Services-0.05%(4.0)4.73%
Guaranteed Rate-0.05%(3.5)2.01%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.60%
Wells Fargo Bank-0.00%(3.5)5.64%
Carrington Mortgage Services-0.00%(3.5)0.11%
PennyMac Loan Services-0.00%(3.5)0.46%
Home Point Financial Corporation0.00%(3.5)0.54%
Mortgage America0.01%(3.5)0.44%
Freedom Mortgage Corporation0.02%(3.5)1.07%
Movement Mortgage0.02%(3.5)0.33%
Finance of America Mortgage0.03%(3.5)5.03%
Summit Mortgage Corporation0.04%(3.5)1.91%
HomeBridge Financial Services0.06%(3.0)0.21%
Cardinal Financial Company0.06%(3.0)0.35%
NFM Lending0.06%(3.0)0.25%
Atlantic Home Loans0.06%(3.0)1.89%
Stearns Home Loans0.07%(3.0)3.03%
Navy Federal Credit Union0.08%(3.0)0.51%
PNC Bank0.08%(3.0)6.02%
Quaint Oak Mortgage0.08%(3.0)0.26%
New American Funding0.08%(3.0)0.16%
Supreme Lending0.09%(3.0)0.88%
AnnieMac Home Mortgage0.10%(3.0)0.75%
United Mortgage Corp0.10%(3.0)0.26%
Caliber Home Loans0.12%(3.0)1.47%
Community Bank NA0.13%(3.0)5.60%
Homespire Mortgage0.15%(3.0)0.61%
Flagstar Bank0.15%(2.5)0.30%
Quicken Loans0.19%(2.5)12.21%
Mr. Cooper0.29%(2.0)0.96%
Lender NameRate DifferenceRate RatingMarket Share
NBT Bank-0.28%(5.0)2.53%
Bank of America-0.26%(5.0)1.85%
ESSA Bank & Trust-0.22%(4.5)4.03%
TD Bank-0.12%(4.0)0.84%
JPMorgan Chase Bank-0.11%(4.0)3.62%
Honesdale National Bank-0.11%(4.0)3.76%
M&T Bank-0.09%(4.0)1.77%
First National Bank of Pennsylvania-0.09%(4.0)1.12%
Jersey Shore State Bank-0.09%(4.0)0.93%
Peoples Security Bank and Trust Company-0.08%(4.0)1.90%
Trident Mortgage-0.07%(4.0)1.12%
Wells Fargo Bank-0.05%(4.0)6.26%
Residential Mortgage Services-0.05%(3.5)6.50%
Guaranteed Rate-0.05%(3.5)2.69%
PNC Bank-0.04%(3.5)3.29%
Fidelity Bank Pennsylvania-0.04%(3.5)5.96%
Freedom Mortgage Corporation-0.02%(3.5)1.14%
PennyMac Loan Services-0.02%(3.5)0.41%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.90%
Amerisave Mortgage Corporation-0.00%(3.5)0.08%
Carrington Mortgage Services0.00%(3.5)0.03%
Mortgage America0.01%(3.5)0.65%
Home Point Financial Corporation0.01%(3.5)0.71%
Movement Mortgage0.03%(3.5)0.41%
Finance of America Mortgage0.03%(3.5)6.78%
Summit Mortgage Corporation0.05%(3.5)2.80%
HomeBridge Financial Services0.07%(3.0)0.27%
Atlantic Home Loans0.07%(3.0)2.86%
NFM Lending0.07%(3.0)0.27%
Stearns Home Loans0.08%(3.0)4.05%
Cardinal Financial Company0.09%(3.0)0.35%
Quaint Oak Mortgage0.09%(3.0)0.38%
Navy Federal Credit Union0.10%(3.0)0.63%
Supreme Lending0.10%(3.0)1.09%
AnnieMac Home Mortgage0.10%(3.0)1.09%
New American Funding0.11%(3.0)0.19%
United Mortgage Corp0.13%(3.0)0.27%
Mr. Cooper0.13%(3.0)0.22%
Caliber Home Loans0.14%(3.0)1.85%
Homespire Mortgage0.15%(3.0)0.93%
Community Bank NA0.17%(2.5)5.41%
Flagstar Bank0.19%(2.5)0.35%
Quicken Loans0.25%(2.5)8.24%
Lender NameRate DifferenceRate RatingMarket Share
ESSA Bank & Trust-0.29%(5.0)6.98%
NBT Bank-0.16%(4.5)2.16%
Bank of America-0.12%(4.0)1.43%
Peoples Security Bank and Trust Company-0.12%(4.0)3.39%
Fidelity Bank Pennsylvania-0.11%(4.0)7.42%
Amerisave Mortgage Corporation-0.07%(4.0)1.08%
Residential Mortgage Services-0.06%(4.0)1.52%
First National Bank of Pennsylvania-0.05%(4.0)3.93%
Guaranteed Rate-0.05%(3.5)0.79%
Honesdale National Bank-0.04%(3.5)4.57%
Trident Mortgage-0.02%(3.5)0.15%
AnnieMac Home Mortgage-0.02%(3.5)0.15%
Home Point Financial Corporation-0.01%(3.5)0.25%
Carrington Mortgage Services-0.00%(3.5)0.25%
Summit Mortgage Corporation-0.00%(3.5)0.29%
Navy Federal Credit Union-0.00%(3.5)0.29%
TD Bank0.00%(3.5)0.25%
Cardinal Financial Company0.00%(3.5)0.34%
JPMorgan Chase Bank0.00%(3.5)2.41%
Mortgage America0.00%(3.5)0.05%
HomeBridge Financial Services0.00%(3.5)0.10%
Movement Mortgage0.01%(3.5)0.20%
New American Funding0.01%(3.5)0.10%
Stearns Home Loans0.01%(3.5)1.18%
Finance of America Mortgage0.01%(3.5)1.87%
Quaint Oak Mortgage0.01%(3.5)0.05%
Atlantic Home Loans0.02%(3.5)0.15%
Homespire Mortgage0.02%(3.5)0.05%
M&T Bank0.03%(3.5)1.38%
Flagstar Bank0.03%(3.5)0.20%
PennyMac Loan Services0.03%(3.5)0.54%
Jersey Shore State Bank0.03%(3.5)0.64%
Fairway Independent Mortgage Corporation0.03%(3.5)0.05%
Caliber Home Loans0.04%(3.5)0.79%
United Mortgage Corp0.04%(3.5)0.25%
Supreme Lending0.05%(3.5)0.49%
Community Bank NA0.05%(3.0)5.95%
NFM Lending0.06%(3.0)0.20%
Freedom Mortgage Corporation0.11%(3.0)0.93%
Wells Fargo Bank0.12%(3.0)4.52%
Quicken Loans0.14%(3.0)19.36%
PNC Bank0.14%(3.0)10.96%
Mr. Cooper0.32%(2.0)2.31%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.22%(4.5)4.33%
PennyMac Loan Services-0.18%(4.5)1.53%
Summit Mortgage Corporation-0.15%(4.0)3.45%
First National Bank of Pennsylvania-0.15%(4.0)0.57%
PNC Bank-0.14%(4.0)1.14%
M&T Bank-0.13%(4.0)1.14%
Home Point Financial Corporation-0.09%(4.0)1.05%
Stearns Home Loans-0.06%(4.0)14.55%
Movement Mortgage-0.05%(3.5)1.22%
Bank of America-0.03%(3.5)0.22%
Honesdale National Bank-0.03%(3.5)0.48%
NBT Bank-0.02%(3.5)0.31%
TD Bank-0.02%(3.5)0.09%
Trident Mortgage-0.02%(3.5)0.61%
Residential Mortgage Services-0.01%(3.5)7.12%
Quaint Oak Mortgage-0.01%(3.5)0.87%
Navy Federal Credit Union-0.01%(3.5)0.17%
Carrington Mortgage Services-0.01%(3.5)1.57%
Mortgage America-0.01%(3.5)0.66%
Cardinal Financial Company-0.00%(3.5)0.70%
Amerisave Mortgage Corporation0.01%(3.5)0.26%
Fairway Independent Mortgage Corporation0.01%(3.5)0.96%
HomeBridge Financial Services0.01%(3.5)0.48%
Quicken Loans0.01%(3.5)15.99%
Wells Fargo Bank0.01%(3.5)0.13%
New American Funding0.02%(3.5)0.83%
Mr. Cooper0.04%(3.5)4.37%
Flagstar Bank0.04%(3.5)0.61%
Supreme Lending0.05%(3.5)0.44%
Finance of America Mortgage0.06%(3.0)11.18%
Freedom Mortgage Corporation0.07%(3.0)0.87%
AnnieMac Home Mortgage0.08%(3.0)1.62%
Homespire Mortgage0.08%(3.0)2.80%
NFM Lending0.12%(3.0)1.27%
Guaranteed Rate0.14%(3.0)1.75%
Atlantic Home Loans0.15%(3.0)2.97%
United Mortgage Corp0.17%(2.5)1.35%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.25%(4.5)4.28%
PennyMac Loan Services-0.24%(4.5)1.34%
Summit Mortgage Corporation-0.16%(4.5)3.97%
M&T Bank-0.15%(4.5)1.13%
First National Bank of Pennsylvania-0.15%(4.0)0.67%
PNC Bank-0.15%(4.0)1.29%
Home Point Financial Corporation-0.11%(4.0)1.03%
Stearns Home Loans-0.06%(4.0)16.97%
Movement Mortgage-0.05%(4.0)1.39%
Cardinal Financial Company-0.05%(3.5)0.52%
Bank of America-0.03%(3.5)0.26%
Honesdale National Bank-0.03%(3.5)0.57%
Trident Mortgage-0.02%(3.5)0.67%
NBT Bank-0.02%(3.5)0.36%
TD Bank-0.02%(3.5)0.10%
Residential Mortgage Services-0.02%(3.5)8.30%
Navy Federal Credit Union-0.02%(3.5)0.15%
Quaint Oak Mortgage-0.01%(3.5)1.03%
Mortgage America-0.01%(3.5)0.77%
Mr. Cooper0.01%(3.5)3.35%
New American Funding0.01%(3.5)0.88%
Fairway Independent Mortgage Corporation0.01%(3.5)1.03%
Amerisave Mortgage Corporation0.01%(3.5)0.10%
Wells Fargo Bank0.01%(3.5)0.15%
HomeBridge Financial Services0.02%(3.5)0.36%
Freedom Mortgage Corporation0.03%(3.5)0.57%
Flagstar Bank0.05%(3.5)0.52%
Supreme Lending0.05%(3.5)0.46%
Finance of America Mortgage0.06%(3.0)12.64%
Carrington Mortgage Services0.06%(3.0)0.36%
Quicken Loans0.06%(3.0)10.68%
Homespire Mortgage0.08%(3.0)3.30%
AnnieMac Home Mortgage0.11%(3.0)1.39%
NFM Lending0.12%(3.0)1.50%
Guaranteed Rate0.15%(3.0)1.96%
Atlantic Home Loans0.15%(3.0)3.46%
United Mortgage Corp0.18%(2.5)1.44%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.04%(3.5)45.43%
Caliber Home Loans-0.03%(3.5)4.57%
Carrington Mortgage Services-0.01%(3.5)8.29%
Stearns Home Loans-0.01%(3.5)1.14%
AnnieMac Home Mortgage-0.00%(3.5)2.86%
Home Point Financial Corporation0.00%(3.5)1.14%
PennyMac Loan Services0.00%(3.5)2.57%
Guaranteed Rate0.01%(3.5)0.57%
Movement Mortgage0.02%(3.5)0.29%
Amerisave Mortgage Corporation0.02%(3.5)1.14%
HomeBridge Financial Services0.02%(3.5)1.14%
Fairway Independent Mortgage Corporation0.02%(3.5)0.57%
Navy Federal Credit Union0.02%(3.5)0.29%
Supreme Lending0.02%(3.5)0.29%
Finance of America Mortgage0.03%(3.5)3.14%
Trident Mortgage0.03%(3.5)0.29%
M&T Bank0.03%(3.5)1.14%
Residential Mortgage Services0.03%(3.5)0.57%
Flagstar Bank0.03%(3.5)1.14%
PNC Bank0.03%(3.5)0.29%
New American Funding0.05%(3.5)0.57%
Atlantic Home Loans0.05%(3.5)0.29%
United Mortgage Corp0.05%(3.0)0.86%
Summit Mortgage Corporation0.05%(3.0)0.57%
Cardinal Financial Company0.09%(3.0)1.71%
Mr. Cooper0.09%(3.0)10.00%
Freedom Mortgage Corporation0.14%(3.0)2.57%
Lender NameRate DifferenceRate RatingMarket Share
PNC Bank-0.01%(3.5)10.71%
Wells Fargo Bank-0.01%(3.5)10.71%
Fidelity Bank Pennsylvania-0.00%(3.5)28.57%
JPMorgan Chase Bank0.00%(3.5)3.57%
Bank of America0.00%(3.5)3.57%
Mortgage America0.00%(3.5)7.14%
First National Bank of Pennsylvania0.00%(3.5)25.00%
Finance of America Mortgage0.01%(3.5)7.14%
Navy Federal Credit Union0.01%(3.5)3.57%
Lender NameRate DifferenceRate RatingMarket Share
PNC Bank-0.01%(3.5)15.79%
Wells Fargo Bank-0.00%(3.5)10.53%
Fidelity Bank Pennsylvania-0.00%(3.5)26.32%
Mortgage America-0.00%(3.5)5.26%
JPMorgan Chase Bank0.00%(3.5)5.26%
Bank of America0.00%(3.5)5.26%
First National Bank of Pennsylvania0.00%(3.5)15.79%
Finance of America Mortgage0.01%(3.5)10.53%
Navy Federal Credit Union0.01%(3.5)5.26%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.01%(3.5)11.11%
Fidelity Bank Pennsylvania0.00%(3.5)33.33%
Mortgage America0.00%(3.5)11.11%
First National Bank of Pennsylvania0.00%(3.5)44.44%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.25%(4.5)8.94%
Home Point Financial Corporation-0.06%(4.0)1.86%
Summit Mortgage Corporation-0.01%(3.5)5.77%
First National Bank of Pennsylvania-0.01%(3.5)0.74%
Wells Fargo Bank0.00%(3.5)0.93%
Mortgage America0.00%(3.5)0.74%
NBT Bank0.00%(3.5)0.19%
Amerisave Mortgage Corporation0.00%(3.5)0.56%
M&T Bank0.01%(3.5)0.37%
Honesdale National Bank0.01%(3.5)0.19%
Cardinal Financial Company0.01%(3.5)0.56%
Movement Mortgage0.01%(3.5)0.56%
Supreme Lending0.01%(3.5)0.37%
PennyMac Loan Services0.01%(3.5)2.79%
Guaranteed Rate0.02%(3.5)1.49%
PNC Bank0.02%(3.5)1.30%
JPMorgan Chase Bank0.02%(3.5)0.19%
Mr. Cooper0.03%(3.5)1.86%
Caliber Home Loans0.03%(3.5)1.68%
Trident Mortgage0.03%(3.5)0.37%
Carrington Mortgage Services0.03%(3.5)2.42%
NFM Lending0.03%(3.5)0.74%
Atlantic Home Loans0.03%(3.5)1.49%
Homespire Mortgage0.03%(3.5)0.56%
Residential Mortgage Services0.04%(3.5)4.84%
Stearns Home Loans0.04%(3.5)5.40%
HomeBridge Financial Services0.04%(3.5)1.49%
Fairway Independent Mortgage Corporation0.04%(3.5)0.56%
New American Funding0.04%(3.5)1.12%
Quaint Oak Mortgage0.05%(3.5)0.56%
AnnieMac Home Mortgage0.05%(3.0)1.49%
Quicken Loans0.07%(3.0)14.71%
Freedom Mortgage Corporation0.08%(3.0)1.49%
Flagstar Bank0.08%(3.0)0.93%
Finance of America Mortgage0.10%(3.0)4.84%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.24%(4.5)13.20%
Summit Mortgage Corporation0.01%(3.5)7.87%
First National Bank of Pennsylvania0.01%(3.5)1.12%
Mr. Cooper0.02%(3.5)1.40%
Mortgage America0.02%(3.5)0.84%
Wells Fargo Bank0.02%(3.5)1.40%
NBT Bank0.02%(3.5)0.28%
Home Point Financial Corporation0.02%(3.5)0.28%
Quicken Loans0.02%(3.5)6.46%
M&T Bank0.03%(3.5)0.28%
Honesdale National Bank0.03%(3.5)0.28%
Movement Mortgage0.03%(3.5)0.56%
PennyMac Loan Services0.03%(3.5)0.28%
Supreme Lending0.03%(3.5)0.28%
Cardinal Financial Company0.03%(3.5)0.28%
Guaranteed Rate0.03%(3.5)1.97%
PNC Bank0.04%(3.5)1.40%
Fairway Independent Mortgage Corporation0.04%(3.5)0.28%
HomeBridge Financial Services0.04%(3.5)0.28%
Freedom Mortgage Corporation0.04%(3.5)0.56%
JPMorgan Chase Bank0.04%(3.5)0.28%
Caliber Home Loans0.04%(3.5)0.84%
Trident Mortgage0.05%(3.5)0.56%
Atlantic Home Loans0.05%(3.5)2.25%
Homespire Mortgage0.05%(3.0)0.56%
Residential Mortgage Services0.05%(3.0)7.02%
Stearns Home Loans0.06%(3.0)7.58%
NFM Lending0.06%(3.0)0.84%
Quaint Oak Mortgage0.06%(3.0)0.84%
New American Funding0.07%(3.0)1.12%
AnnieMac Home Mortgage0.08%(3.0)1.97%
Carrington Mortgage Services0.08%(3.0)0.56%
Flagstar Bank0.12%(3.0)1.12%
Finance of America Mortgage0.13%(3.0)6.74%
Lender NameRate DifferenceRate RatingMarket Share
Home Point Financial Corporation-0.10%(4.0)4.97%
Finance of America Mortgage-0.06%(4.0)1.10%
NFM Lending-0.04%(3.5)0.55%
Summit Mortgage Corporation-0.03%(3.5)1.66%
Amerisave Mortgage Corporation-0.03%(3.5)1.66%
Flagstar Bank-0.03%(3.5)0.55%
Cardinal Financial Company-0.03%(3.5)1.10%
Navy Federal Credit Union-0.03%(3.5)0.55%
M&T Bank-0.03%(3.5)0.55%
New American Funding-0.02%(3.5)1.10%
Supreme Lending-0.02%(3.5)0.55%
Mortgage America-0.02%(3.5)0.55%
PennyMac Loan Services-0.02%(3.5)7.73%
Movement Mortgage-0.02%(3.5)0.55%
Guaranteed Rate-0.01%(3.5)0.55%
PNC Bank-0.01%(3.5)1.10%
AnnieMac Home Mortgage-0.01%(3.5)0.55%
Carrington Mortgage Services-0.01%(3.5)6.08%
Caliber Home Loans-0.01%(3.5)3.31%
Stearns Home Loans-0.01%(3.5)1.10%
Residential Mortgage Services-0.00%(3.5)0.55%
Homespire Mortgage0.00%(3.5)0.55%
HomeBridge Financial Services0.01%(3.5)3.87%
Fairway Independent Mortgage Corporation0.01%(3.5)1.10%
Mr. Cooper0.02%(3.5)2.76%
Freedom Mortgage Corporation0.06%(3.0)3.31%
Quicken Loans0.07%(3.0)30.94%

* 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 of the data is 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 conditional on the commuting zone, 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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