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%Begin 9 Best Pennsylvania Mortgage Lenders of 2021 - NerdWallet Advertiser disclosure
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So how do we make money? Our partners compensate us.
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This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.
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Here is a list of our partners.BEST OF
9 Best Pennsylvania Mortgage Lenders of 2021
These mortgage lenders rose to the top for products, services and customer experience in the Keystone State in 2021.NerdWallet Jan 26, 2021 Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations.
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Our opinions are our own. Here is a list of our partners and here's how we make money.
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Shopping for a mortgage in the Keystone State? You’ll want to work with lenders that have been screened and rated for customer service, online experience, products, features and more.
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From Erie to Philly, these nine lenders rose to the top in NerdWallet’s lender research and reviews for five key categories: government-backed home loans, refinancing, first-time homebuyers, jumbo lending and online lending platforms. Shopping for a mortgage in the Keystone State?
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You’ll want to work with lenders that have been screened and rated for customer service, online experience, products, features and more. From Erie to Philly, these nine lenders rose to the top in NerdWallet’s lender research and reviews for five key categories: government-backed home loans, refinancing, first-time homebuyers, jumbo lending and online lending platforms.
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Best Pennsylvania Mortgage Lenders
LenderNerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.Min. credit score Minimum credit score on top loans; other loan types or factors may selectively influence minimum credit score standardsMin.
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down paymentLearn more
PNC NMLS#446303Learn more
at PNC
5.0/5
Best for online lending620
VA:VariesUSDA:640JUMBO:680FHA:620CONVENTIONAL:6203%Minimum down payment varies by mortgage loan type.Learn more
at PNC
Guaranteed Rate NMLS#2611Learn more
at Guaranteed Rate
5.0/5
Best for government-backed loans and jumbo loans620
VA:580USDA:620JUMBO:N/AFHA:600CONVENTIONAL:6203%Guaranteed Rate offers conventional loans with as little as 3% down.Learn more
at Guaranteed Rate
Rocket Mortgage LLC NMLS#3030Learn more
at Rocket Mortgage, LLC
4.0/5
Best for first-time home buyers620
VA:580JUMBO:N/AFHA:580CONVENTIONAL:6203%Rocket Mortgage offers conventional mortgages with as little as 3% down.Learn more
at Rocket Mortgage, LLC
Veterans United NMLS#1907Learn more
at Veterans United
4.0/5
Best for refinancing620
CONVENTIONAL:620FHA:620JUMBO:620USDA:620VA:620N/ALearn more
at Veterans United
Network Capital NMLS#11712Learn more
at Network Capital
4.0/5
Best for online lending620
CONVENTIONAL:620FHA:640JUMBO:N/AUSDA:640VA:5803%Network Capital offers conventional loans with as little as 3% downLearn more
at Network Capital
loanDepot NMLS#174457Read review
4.0/5
Best for refinancing620
VA:620JUMBO:N/AFHA:580CONVENTIONAL:620N/ARead review
Bank of America NMLS#399802Read review
3.0/5
Best for government-backed loans600
CONVENTIONAL:660FHA:600JUMBO:720VA:6203.5%Bank of America offers down payments as low as 3% through its Affordable Loan Solution mortgage program.Read review
SoFi NMLS#1484615Read review
4.0/5
Best for online lending620
JUMBO:700CONVENTIONAL:6203%SoFi requires a 3% down payment from first-time home buyers for mortgage loans.Read review
Carrington NMLS#2600Read review
4.5/5
Best for first-time home buyers620
VA:500CONVENTIONAL:620FHA:500JUMBO:N/AUSDA:5505%Carrington Mortgage Services offers conventional loans for as little as 5% down.Read reviewLearn more
at PNC
PNC NMLS#446303
5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min.
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credit score620
VA:VariesUSDA:640JUMBO:680FHA:620CONVENTIONAL:620
Min. down payment3%
Minimum down payment varies by mortgage loan type. View details Learn moreat PNC
View details Why we like it
Good for: borrowers with low-to-moderate incomes or limited down payments.
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PNC offers several low-down-payment loans, including one with no mortgage insurance. Pros
Posts current mortgage rates on its website.
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40 likes
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Has an online application for mortgage preapproval and a digital tool to track application progress. Offers several affordable loan options, including FHA, VA, USDA and the PNC Community Loan. Cons
Doesn't offer renovation mortgages.
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34 likes
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In-person service is not available in every state.Read Full ReviewLearn more
at Guaranteed Rate
Guaranteed Rate NMLS#2611
5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min.
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15 likes
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credit score620
VA:580USDA:620JUMBO:N/AFHA:600CONVENTIONAL:620
Min. down payment3%
Guaranteed Rate offers conventional loans with as little as 3% down.
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35 likes
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View details Learn moreat Guaranteed Rate
View details Why we like it
Good for: borrowers seeking a solid variety of loan types, including jumbo and interest-only options, and a totally online experience. Pros
Displays detailed sample rates for many of its loan products.
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44 likes
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Offers a wide variety of loans, including jumbo and interest-only products. Offers low rates compared with other lenders, according to the latest federal data.
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30 likes
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Cons
Doesn't offer home equity loans.Read Full ReviewLearn more
at Rocket Mortgage, LLC
Rocket Mortgage LLC NMLS#3030
4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min.
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34 likes
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credit score620
VA:580JUMBO:N/AFHA:580CONVENTIONAL:620
Min. down payment3%
Rocket Mortgage offers conventional mortgages with as little as 3% down. View details Learn moreat Rocket Mortgage, LLC
View details Why we like it
Good for: borrowers who appreciate convenience online and on the go for a fully digital home loan experience with consistently acclaimed customer service.
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Pros
Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary. Estimates the loan amount you’ll qualify for within minutes. Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.
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Cons
Getting a customized interest rate requires a credit check, which can affect your credit score. Doesn't offer home equity loans or lines of credit.
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Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.Read Full ReviewLearn more
at Veterans United
Veterans United NMLS#1907
4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min.
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9 likes
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credit score620
CONVENTIONAL:620FHA:620JUMBO:620USDA:620VA:620
National / regionalNational
View details Learn moreat Veterans United
View details Why we like it
Good for: veterans, active-duty service members and eligible reservists looking for VA loans. Pros
Offers 24/7 customer service over the phone.
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Offers a free credit counseling service. Mortgage rates are on the low side, according to the latest federal data.
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29 likes
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Cons
Doesn't offer home equity loans or HELOCs. Veterans United has physical branch offices in only 17 states. Focus on VA loans, so may not be the strongest choice for those seeking other loan types.Read Full ReviewLearn more
at Network Capital
Network Capital NMLS#11712
4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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22 likes
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
CONVENTIONAL:620FHA:640JUMBO:N/AUSDA:640VA:580
Min.
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28 likes
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down payment3%
Network Capital offers conventional loans with as little as 3% down
View details Learn moreat Network Capital
View details Why we like it
Good for: borrowers looking for a lender with online convenience and mortgage banker assistance. Pros
A good selection of loan products, including government-backed FHA and VA mortgages. Provides “same-as-cash” loan that allows borrowers to compete with cash offers.
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Online application process is clear and simple to follow. Cons
Doesn't lend in all states. Website doesn’t provide customized mortgage rates.
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Lender fees are on the high side, according to the latest federal data.Read Full ReviewRead review
loanDepot NMLS#174457
4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min.
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19 likes
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credit score620
VA:620JUMBO:N/AFHA:580CONVENTIONAL:620
National / regionalNational
View details Read reviewView details Why we like it
Good for: borrowers who want an easy online application and a variety of loan types to explore. Pros
Has branches across the country for customers who prefer face-to-face service. Receives high marks for customer satisfaction, according to J.D.
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Power and Zillow. Mortgage interest rates tend to be on the lower end, according to the latest federal data.
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Cons
Mortgage rates aren't available online; you'll need to contact a loan officer. Doesn't offer home equity loans or lines of credit.Read Full ReviewRead review
Bank of America NMLS#399802
3.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min.
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49 likes
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credit score600
CONVENTIONAL:660FHA:600JUMBO:720VA:620
Min. down payment3.5%
Bank of America offers down payments as low as 3% through its Affordable Loan Solution mortgage program. View details Read reviewView details Why we like it
Good for: first-time home buyers looking for low- or no-down-payment options and homeowners interested in a home equity line of credit.
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44 likes
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Pros
Offers down payment and closing cost assistance programs. May give existing customers a discount on mortgage lender origination fees and HELOC interest rates.
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24 likes
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Receives high marks for customer satisfaction, according to J.D. Power and Zillow. Cons
Doesn't offer renovation loans that roll costs into a mortgage.Read Full ReviewRead review
SoFi NMLS#1484615
4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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27 likes
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
JUMBO:700CONVENTIONAL:620
Min. down payment3%
SoFi requires a 3% down payment from first-time home buyers for mortgage loans.
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31 likes
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View details Read reviewView details Why we like it
Good for: borrowers seeking an entirely digital application process for conventional purchase mortgages or refinancing. Pros
Borrowers with an existing loan or investment account from SoFi may qualify for a $500 discount on mortgage fees. Mortgage rates tend to be on the low side, according to the latest federal data.
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2 likes
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Offers jumbo loans with a minimum down payment of 10%. Cons
Does not offer government-backed loans, such as FHA or VA. Requires users to create an account to see customized mortgage rates.
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35 likes
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SoFi conforming mortgages are unavailable in Hawaii.Read Full ReviewRead review
Carrington NMLS#2600
4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620 VA:500CONVENTIONAL:620FHA:500JUMBO:N/AUSDA:550 Min.
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21 likes
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down payment5%
Carrington Mortgage Services offers conventional loans for as little as 5% down. View details Read reviewView details Why we like it
Good for: first-time home buyers or credit-challenged borrowers interested in government loan products. Pros
Offers multiple low-down-payment loan programs.
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13 likes
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May consider alternative credit data, such as bank statements. You can view customized rates for purchasing a home and apply online.
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31 likes
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Cons
Doesn't offer home equity lines of credit. Lender fees are on the high side, according to the latest Federal data.Read Full Review
More from NerdWalletCompare Pennsylvania mortgage rates
Calculate your Pennsylvania mortgage payment
See Pennsylvania first-time home buyer programs
Last updated on January 26, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data.
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To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team. To recap our selections...
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NerdWallet' s Best Pennsylvania Mortgage Lenders of 2021
PNC: Best for online lendingGuaranteed Rate: Best for government-backed loans and jumbo loansRocket Mortgage, LLC: Best for first-time home buyersVeterans United: Best for refinancingNetwork Capital: Best for online lendingloanDepot: Best for refinancingBank of America: Best for government-backed loansSoFi: Best for online lendingCarrington: Best for first-time home buyersAbout the author
NerdWallet
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