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, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Pleasant Gap, 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 Pleasant Gap, PA area in terms of interest rate is PSECU, with an average “Rate Difference” of -0.20%. This means that, comparing similar borrowers, PSECU provided a -0.20% lower interest rate for its customers than other lenders in the area. PSECU has a market share of 4.8%. On the other hand, the most popular lender in the Pleasant Gap, PA area is Quicken Loans, with a larger market share of 15.8%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.15% compared to those of other lenders. We recommend shopping around before going with this popular lender.
Our detailed ranking of mortgage lenders in 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, going by historical data, the cheapest lender for Conventional mortgages in Pleasant Gap, 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 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 Home Loans. The cheapest VA mortgage provider is Caliber 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 Pleasant Gap, PA
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PSECU | -0.20% | 4.85% | |
| Northwest Bank PA | -0.17% | 12.61% | |
| Reliance Bank | -0.07% | 5.82% | |
| Kish Bank | -0.03% | 13.88% | |
| Stearns Home Loans | -0.03% | 3.01% | |
| Caliber Home Loans | -0.02% | 4.39% | |
| Jersey Shore State Bank | 0.00% | 1.84% | |
| PNC Bank | 0.01% | 5.16% | |
| USAA | 0.02% | 1.63% | |
| M&T Bank | 0.02% | 1.89% | |
| loanDepot | 0.02% | 1.58% | |
| Home Point Financial Corporation | 0.03% | 3.68% | |
| Flagstar Bank | 0.04% | 2.40% | |
| First National Bank of Pennsylvania | 0.06% | 10.41% | |
| Fairway Independent Mortgage Corporation | 0.06% | 5.10% | |
| Wells Fargo Bank | 0.07% | 3.93% | |
| Homeside Financial | 0.09% | 1.99% | |
| Quicken Loans | 0.15% | 15.82% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Northwest Bank PA | -0.14% | 12.58% | |
| PSECU | -0.10% | 2.48% | |
| PNC Bank | -0.06% | 3.49% | |
| Reliance Bank | -0.04% | 3.21% | |
| Stearns Home Loans | -0.04% | 4.68% | |
| Kish Bank | -0.03% | 16.71% | |
| Caliber Home Loans | -0.02% | 5.97% | |
| Jersey Shore State Bank | -0.01% | 3.03% | |
| USAA | 0.01% | 1.93% | |
| Wells Fargo Bank | 0.02% | 4.22% | |
| Home Point Financial Corporation | 0.02% | 5.23% | |
| loanDepot | 0.03% | 1.10% | |
| M&T Bank | 0.04% | 2.30% | |
| Flagstar Bank | 0.05% | 3.03% | |
| First National Bank of Pennsylvania | 0.06% | 6.43% | |
| Fairway Independent Mortgage Corporation | 0.06% | 8.17% | |
| Homeside Financial | 0.09% | 2.57% | |
| Quicken Loans | 0.12% | 12.86% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PSECU | -0.23% | 7.82% | |
| Northwest Bank PA | -0.21% | 12.64% | |
| Reliance Bank | -0.08% | 9.08% | |
| Kish Bank | -0.05% | 10.34% | |
| Caliber Home Loans | -0.03% | 2.41% | |
| M&T Bank | -0.01% | 1.38% | |
| Flagstar Bank | -0.01% | 1.61% | |
| Fairway Independent Mortgage Corporation | 0.01% | 1.26% | |
| Stearns Home Loans | 0.02% | 0.92% | |
| loanDepot | 0.03% | 2.18% | |
| Home Point Financial Corporation | 0.03% | 1.72% | |
| USAA | 0.03% | 1.26% | |
| PNC Bank | 0.05% | 7.24% | |
| First National Bank of Pennsylvania | 0.06% | 15.40% | |
| Jersey Shore State Bank | 0.07% | 0.34% | |
| Homeside Financial | 0.08% | 1.26% | |
| Wells Fargo Bank | 0.15% | 3.56% | |
| Quicken Loans | 0.18% | 19.54% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PSECU | -0.19% | 5.79% | |
| Northwest Bank PA | -0.17% | 14.87% | |
| Reliance Bank | -0.07% | 6.89% | |
| Kish Bank | -0.03% | 16.15% | |
| Caliber Home Loans | -0.00% | 2.93% | |
| Stearns Home Loans | 0.01% | 2.25% | |
| Jersey Shore State Bank | 0.01% | 2.19% | |
| USAA | 0.01% | 1.10% | |
| PNC Bank | 0.01% | 5.61% | |
| M&T Bank | 0.03% | 2.01% | |
| loanDepot | 0.03% | 1.16% | |
| Flagstar Bank | 0.04% | 1.58% | |
| First National Bank of Pennsylvania | 0.06% | 11.52% | |
| Home Point Financial Corporation | 0.07% | 2.01% | |
| Fairway Independent Mortgage Corporation | 0.07% | 5.06% | |
| Wells Fargo Bank | 0.08% | 4.27% | |
| Homeside Financial | 0.12% | 1.52% | |
| Quicken Loans | 0.20% | 13.10% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Northwest Bank PA | -0.14% | 15.46% | |
| PSECU | -0.10% | 3.05% | |
| PNC Bank | -0.06% | 4.06% | |
| Reliance Bank | -0.04% | 3.95% | |
| Kish Bank | -0.03% | 20.09% | |
| Jersey Shore State Bank | -0.00% | 3.72% | |
| Stearns Home Loans | -0.00% | 3.39% | |
| Caliber Home Loans | 0.00% | 4.29% | |
| USAA | 0.00% | 1.47% | |
| Wells Fargo Bank | 0.02% | 4.40% | |
| loanDepot | 0.03% | 1.02% | |
| M&T Bank | 0.04% | 2.48% | |
| Home Point Financial Corporation | 0.07% | 2.71% | |
| Fairway Independent Mortgage Corporation | 0.07% | 8.58% | |
| First National Bank of Pennsylvania | 0.07% | 6.77% | |
| Flagstar Bank | 0.08% | 1.92% | |
| Homeside Financial | 0.12% | 1.92% | |
| Quicken Loans | 0.14% | 10.72% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| PSECU | -0.23% | 9.01% | |
| Northwest Bank PA | -0.21% | 14.17% | |
| Reliance Bank | -0.07% | 10.33% | |
| Kish Bank | -0.05% | 11.52% | |
| Caliber Home Loans | -0.03% | 1.32% | |
| Flagstar Bank | -0.02% | 1.19% | |
| M&T Bank | -0.01% | 1.46% | |
| Fairway Independent Mortgage Corporation | 0.01% | 0.93% | |
| Stearns Home Loans | 0.02% | 0.93% | |
| USAA | 0.03% | 0.66% | |
| loanDepot | 0.03% | 1.32% | |
| Home Point Financial Corporation | 0.05% | 1.19% | |
| PNC Bank | 0.06% | 7.42% | |
| First National Bank of Pennsylvania | 0.07% | 17.09% | |
| Jersey Shore State Bank | 0.08% | 0.40% | |
| Homeside Financial | 0.10% | 1.06% | |
| Wells Fargo Bank | 0.16% | 4.11% | |
| Quicken Loans | 0.24% | 15.89% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.09% | 11.60% | |
| Caliber Home Loans | -0.06% | 8.29% | |
| Home Point Financial Corporation | -0.02% | 18.23% | |
| M&T Bank | -0.00% | 0.55% | |
| loanDepot | 0.01% | 3.87% | |
| PNC Bank | 0.01% | 0.55% | |
| First National Bank of Pennsylvania | 0.01% | 1.66% | |
| Homeside Financial | 0.03% | 4.42% | |
| Quicken Loans | 0.03% | 40.33% | |
| Flagstar Bank | 0.04% | 7.73% | |
| Fairway Independent Mortgage Corporation | 0.04% | 2.76% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Stearns Home Loans | -0.10% | 15.75% | |
| Caliber Home Loans | -0.06% | 11.02% | |
| Home Point Financial Corporation | -0.02% | 22.83% | |
| M&T Bank | -0.00% | 0.79% | |
| PNC Bank | 0.01% | 0.79% | |
| First National Bank of Pennsylvania | 0.02% | 1.57% | |
| loanDepot | 0.02% | 1.57% | |
| Homeside Financial | 0.04% | 3.94% | |
| Flagstar Bank | 0.04% | 9.45% | |
| Fairway Independent Mortgage Corporation | 0.05% | 3.15% | |
| Quicken Loans | 0.06% | 29.13% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Home Point Financial Corporation | -0.03% | 7.41% | |
| Quicken Loans | -0.00% | 66.67% | |
| Fairway Independent Mortgage Corporation | 0.01% | 1.85% | |
| First National Bank of Pennsylvania | 0.01% | 1.85% | |
| loanDepot | 0.01% | 9.26% | |
| Homeside Financial | 0.02% | 5.56% | |
| Caliber Home Loans | 0.02% | 1.85% | |
| Flagstar Bank | 0.02% | 3.70% | |
| Stearns Home Loans | 0.03% | 1.85% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First National Bank of Pennsylvania | -0.01% | 27.03% | |
| PNC Bank | -0.01% | 21.62% | |
| Wells Fargo Bank | 0.00% | 10.81% | |
| Fairway Independent Mortgage Corporation | 0.00% | 2.70% | |
| M&T Bank | 0.00% | 5.41% | |
| Northwest Bank PA | 0.00% | 8.11% | |
| Kish Bank | 0.01% | 18.92% | |
| Quicken Loans | 0.02% | 2.70% | |
| Reliance Bank | 0.02% | 2.70% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Kish Bank | -0.01% | 23.53% | |
| First National Bank of Pennsylvania | -0.00% | 35.29% | |
| Wells Fargo Bank | 0.00% | 23.53% | |
| M&T Bank | 0.00% | 5.88% | |
| PNC Bank | 0.01% | 5.88% | |
| Quicken Loans | 0.02% | 5.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First National Bank of Pennsylvania | -0.01% | 20.00% | |
| PNC Bank | -0.01% | 35.00% | |
| Fairway Independent Mortgage Corporation | -0.00% | 5.00% | |
| Northwest Bank PA | 0.00% | 15.00% | |
| M&T Bank | 0.00% | 5.00% | |
| Reliance Bank | 0.02% | 5.00% | |
| Kish Bank | 0.03% | 15.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.05% | 23.00% | |
| Wells Fargo Bank | -0.03% | 3.00% | |
| Flagstar Bank | -0.03% | 7.00% | |
| First National Bank of Pennsylvania | -0.02% | 2.00% | |
| M&T Bank | -0.02% | 1.00% | |
| loanDepot | -0.01% | 5.00% | |
| Stearns Home Loans | 0.00% | 1.00% | |
| USAA | 0.01% | 14.00% | |
| Home Point Financial Corporation | 0.01% | 6.00% | |
| Fairway Independent Mortgage Corporation | 0.03% | 11.00% | |
| Homeside Financial | 0.03% | 6.00% | |
| Quicken Loans | 0.04% | 21.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Flagstar Bank | -0.04% | 6.78% | |
| Caliber Home Loans | -0.04% | 22.03% | |
| Wells Fargo Bank | -0.03% | 5.08% | |
| First National Bank of Pennsylvania | -0.02% | 3.39% | |
| loanDepot | -0.02% | 1.69% | |
| M&T Bank | -0.02% | 1.69% | |
| Stearns Home Loans | -0.00% | 1.69% | |
| USAA | 0.00% | 13.56% | |
| Homeside Financial | 0.03% | 10.17% | |
| Home Point Financial Corporation | 0.03% | 6.78% | |
| Fairway Independent Mortgage Corporation | 0.03% | 15.25% | |
| Quicken Loans | 0.04% | 11.86% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.07% | 24.39% | |
| Home Point Financial Corporation | -0.02% | 4.88% | |
| Fairway Independent Mortgage Corporation | -0.02% | 4.88% | |
| Flagstar Bank | -0.00% | 7.32% | |
| loanDepot | 0.00% | 9.76% | |
| USAA | 0.01% | 14.63% | |
| Quicken Loans | 0.05% | 34.15% |
* 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 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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