Which mortgage lender in the Williamsport, PA area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Williamsport, 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 Williamsport, PA area in terms of interest rate is PSECU, with an average “Rate Difference” of -0.26%. This means that, comparing similar borrowers, PSECU provided a -0.26% lower interest rate for its customers than other lenders in the area. PSECU has a market share of 3.7%. On the other hand, the most popular lender in the Williamsport, PA area is Quicken Loans, with a larger market share of 18.1%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.06% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in 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, going by historical data, the cheapest lender for Conventional mortgages in Williamsport, 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 M&T Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Stearns Home Loans. The cheapest VA mortgage provider is also Stearns Home Loans. 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 Williamsport, PA
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PSECU | -0.26% | 3.71% | |
| First National Bank of Pennsylvania | -0.14% | 4.50% | |
| Jersey Shore State Bank | -0.11% | 9.53% | |
| Stearns Home Loans | -0.11% | 8.41% | |
| Northwest Bank PA | -0.06% | 2.58% | |
| Santander Bank | -0.06% | 4.57% | |
| PNC Bank | -0.03% | 2.38% | |
| M&T Bank | -0.01% | 2.12% | |
| Wells Fargo Bank | 0.00% | 2.91% | |
| Citizens & Northern Bank | 0.02% | 14.16% | |
| Residential Mortgage Services | 0.06% | 8.21% | |
| Quicken Loans | 0.06% | 18.13% | |
| PrimeLending | 0.11% | 14.10% | |
| First Citizens Community Bank | 0.13% | 4.70% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PSECU | -0.23% | 2.32% | |
| Jersey Shore State Bank | -0.13% | 11.29% | |
| Stearns Home Loans | -0.12% | 12.66% | |
| Santander Bank | -0.05% | 4.11% | |
| First National Bank of Pennsylvania | -0.05% | 2.53% | |
| PNC Bank | -0.04% | 1.05% | |
| Citizens & Northern Bank | -0.02% | 11.29% | |
| Northwest Bank PA | -0.02% | 1.79% | |
| M&T Bank | -0.00% | 1.79% | |
| Wells Fargo Bank | 0.01% | 2.32% | |
| Residential Mortgage Services | 0.05% | 12.76% | |
| First Citizens Community Bank | 0.06% | 3.38% | |
| Quicken Loans | 0.08% | 11.50% | |
| PrimeLending | 0.11% | 21.20% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PSECU | -0.27% | 6.04% | |
| First National Bank of Pennsylvania | -0.18% | 7.82% | |
| Northwest Bank PA | -0.09% | 3.91% | |
| Santander Bank | -0.06% | 5.33% | |
| Jersey Shore State Bank | -0.04% | 6.57% | |
| Residential Mortgage Services | -0.03% | 0.53% | |
| PNC Bank | -0.02% | 4.62% | |
| M&T Bank | -0.02% | 2.66% | |
| Stearns Home Loans | -0.01% | 1.24% | |
| Wells Fargo Bank | -0.00% | 3.91% | |
| PrimeLending | 0.04% | 2.13% | |
| Quicken Loans | 0.05% | 29.31% | |
| Citizens & Northern Bank | 0.07% | 19.01% | |
| First Citizens Community Bank | 0.19% | 6.93% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PSECU | -0.25% | 4.93% | |
| First National Bank of Pennsylvania | -0.14% | 5.63% | |
| Jersey Shore State Bank | -0.10% | 12.68% | |
| Northwest Bank PA | -0.06% | 3.35% | |
| Santander Bank | -0.06% | 5.72% | |
| PNC Bank | -0.02% | 3.08% | |
| M&T Bank | 0.00% | 2.02% | |
| Wells Fargo Bank | 0.01% | 3.52% | |
| Residential Mortgage Services | 0.01% | 4.31% | |
| Stearns Home Loans | 0.02% | 3.61% | |
| Citizens & Northern Bank | 0.03% | 18.84% | |
| Quicken Loans | 0.09% | 14.88% | |
| PrimeLending | 0.10% | 11.18% | |
| First Citizens Community Bank | 0.13% | 6.25% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PSECU | -0.22% | 3.44% | |
| Jersey Shore State Bank | -0.13% | 16.74% | |
| Santander Bank | -0.05% | 5.48% | |
| First National Bank of Pennsylvania | -0.05% | 3.44% | |
| PNC Bank | -0.03% | 1.56% | |
| Citizens & Northern Bank | -0.01% | 16.74% | |
| Northwest Bank PA | -0.01% | 2.66% | |
| Residential Mortgage Services | 0.01% | 7.20% | |
| M&T Bank | 0.02% | 2.19% | |
| Wells Fargo Bank | 0.02% | 3.13% | |
| Stearns Home Loans | 0.03% | 5.79% | |
| First Citizens Community Bank | 0.06% | 5.01% | |
| PrimeLending | 0.10% | 18.31% | |
| Quicken Loans | 0.13% | 8.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PSECU | -0.27% | 6.84% | |
| First National Bank of Pennsylvania | -0.19% | 8.45% | |
| Northwest Bank PA | -0.10% | 4.23% | |
| Santander Bank | -0.06% | 6.04% | |
| Jersey Shore State Bank | -0.04% | 7.44% | |
| Residential Mortgage Services | -0.03% | 0.60% | |
| PNC Bank | -0.02% | 5.03% | |
| M&T Bank | -0.02% | 1.81% | |
| Stearns Home Loans | -0.01% | 0.80% | |
| Wells Fargo Bank | -0.01% | 4.02% | |
| PrimeLending | 0.04% | 2.01% | |
| Citizens & Northern Bank | 0.06% | 21.53% | |
| Quicken Loans | 0.08% | 23.34% | |
| First Citizens Community Bank | 0.19% | 7.85% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.23% | 23.32% | |
| M&T Bank | -0.06% | 2.83% | |
| First National Bank of Pennsylvania | -0.03% | 0.35% | |
| Santander Bank | -0.02% | 1.06% | |
| Quicken Loans | 0.00% | 26.15% | |
| Residential Mortgage Services | 0.08% | 22.97% | |
| PrimeLending | 0.15% | 23.32% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.24% | 26.10% | |
| M&T Bank | -0.08% | 1.20% | |
| First National Bank of Pennsylvania | -0.04% | 0.40% | |
| Santander Bank | -0.03% | 1.20% | |
| Quicken Loans | 0.03% | 18.88% | |
| Residential Mortgage Services | 0.07% | 26.10% | |
| PrimeLending | 0.15% | 26.10% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.00% | 79.41% | |
| M&T Bank | 0.00% | 14.71% | |
| Stearns Home Loans | 0.02% | 2.94% | |
| PrimeLending | 0.03% | 2.94% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| M&T Bank | -0.00% | 25.00% | |
| Northwest Bank PA | 0.00% | 25.00% | |
| First National Bank of Pennsylvania | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| M&T Bank | -0.00% | 25.00% | |
| Northwest Bank PA | 0.00% | 25.00% | |
| First National Bank of Pennsylvania | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.04% | 22.73% | |
| First National Bank of Pennsylvania | -0.02% | 1.14% | |
| Residential Mortgage Services | -0.01% | 11.36% | |
| PNC Bank | -0.01% | 1.14% | |
| Santander Bank | 0.00% | 1.14% | |
| Quicken Loans | 0.01% | 35.23% | |
| Wells Fargo Bank | 0.01% | 4.55% | |
| PrimeLending | 0.03% | 22.73% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.04% | 30.00% | |
| First National Bank of Pennsylvania | -0.02% | 1.67% | |
| Residential Mortgage Services | -0.01% | 16.67% | |
| Santander Bank | 0.00% | 1.67% | |
| Wells Fargo Bank | 0.01% | 3.33% | |
| PrimeLending | 0.03% | 31.67% | |
| Quicken Loans | 0.04% | 15.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.02% | 7.14% | |
| PNC Bank | -0.01% | 3.57% | |
| PrimeLending | -0.01% | 3.57% | |
| Quicken Loans | 0.00% | 78.57% | |
| Wells Fargo Bank | 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 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.
Mortgage Lender Rankings in Other Cities
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