Today we’ll take a look at the top mortgage lenders in Pennsylvania based on their annual loan volume.
The state of Pennsylvania is unique in that it borders both the Midwest and the Northeast.
This means consumers might gravitate toward a big NYC-based bank or a smaller, independent mortgage lender located closer to say Ohio.
Despite these regional nuances, the nation’s top mortgage lender also grabbed the top spot in The Keystone State.
Read on to see who the other big mortgage players are in Pennsylvania.
Top Mortgage Lenders in Pennsylvania (Overall)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Rocket Mortgage | $2.7 billion |
| 2. | CrossCountry | $2.1 billion |
| 3. | UWM | $2.1 billion |
| 4. | Citizens Bank | $1.0 billion |
| 5. | Movement | $1.0 billion |
| 6. | Rate | $970 million |
| 7. | PNC Bank | $880 million |
| 8. | Pennymac | $859 million |
| 9. | Prosperity Home | $791 million |
| 10. | FNB of Penn | $756 million |
You guessed it. The top mortgage lender in Pennsylvania was none other than Rocket Mortgage, which incidentally is also the nation’s #2 lender.
The Detroit-based company originated $2.7 billion in home loans last year, per HMDA data from Richey May.
That was enough to beat out second place CrossCountry Mortgage, which came somewhat close with $2.1 billion funded during the year.
In third place was the nation’s top lender overall, UWM, with $2.1 billion in home loan volume as well.
Citizens Bank grabbed fourth, while Movement snagged fifth, both with about $1 billion funded.
Others in the top 10 included Rate, PNC Bank, Pennymac, Prosperity Home Mortgage, and First National Bank of Pennsylvania.
Two of the companies are actually based in Pennsylvania, including PNC Bank (Pittsburgh), and First National Bank of Pennsylvania (Pittsburgh).
Top Pennsylvania Mortgage Lenders (for Home Buyers)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | CrossCountry | $1.9 billion |
| 2. | Rocket Mortgage | $1.5 billion |
| 3. | UWM | $1.4 billion |
| 4. | Movement | $949 million |
| 5. | Rate | $914 million |
| 6. | Prosperity Home | $746 million |
| 7. | NVR Mortgage | $670 million |
| 8. | Guild Mortgage | $630 million |
| 9. | Pennymac | $625 million |
| 10. | CMG Mortgage | $620 million |
If we focus solely on home purchase loans, Ohio-based CrossCountry Mortgage topped the list with $1.9 billion funded in the state of Pennsylvania.
They were followed by Michigan-based lenders Rocket Mortgage with $1.5 billion and UWM with $1.4 billion.
Movement and Rate rounded out the top five, meaning no PA-based lenders made the list.
The rest of the top 10 included Prosperity Home, NVR Mortgage, Guild Mortgage, Pennymac, and CMG Mortgage.
It makes sense for home buyers to turn to local lenders when it involves a home purchase, but instead it was all national lenders here.
Top Pennsylvania Refinance Lenders (for Existing Homeowners)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Rocket Mortgage | $1.2 billion |
| 2. | UWM | $704 million |
| 3. | Citizens Bank | $538 million |
| 4. | PNC Bank | $370 million |
| 5. | Freedom Mortgage | $293 million |
| 6. | Pennymac | $226 million |
| 7. | CrossCountry | $169 million |
| 8. | Truist | $161 million |
| 9. | FNB of Penn | $159 million |
| 10. | loanDepot | $152 million |
If we filter the list to only include mortgage refinances, As expected, Rocket Mortgage was the top dog with $1.2 billion funded.
That was more than enough to beat out second place UWM’s $704 million, and Citizen Bank’s $538 mllion.
In fourth was Pennsylvania’s own PNC Bank, followed NJ-based Freedom Mortgage.
Pennymac, CrossCountry, Truist, FNB of Penn, and loanDepot rounded out the top 10.
So no major surprises here as existing homeowners often use big banks and household name-lenders when seeking a refinance.
Top Mortgage Lenders in Philadelphia
| Ranking | Company Name | 2024 Loan Volume |
| 1. | CrossCountry | $552 million |
| 2. | Rate | $449 million |
| 3. | Rocket Mortgage | $355 million |
| 4. | Prosperity Home | $328 million |
| 5. | UWM | $304 million |
| 6. | Movement | $225 million |
| 7. | Citizens Bank | $191 million |
| 8. | Wilmington Savings | $170 million |
| 9. | Chase | $119 million |
| 10. | TD Bank | $112 million |
Top Mortgage Lenders in Pittsburgh
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Rocket Mortgage | $496 million |
| 2. | PNC Bank | $404 million |
| 3. | UWM | $401 million |
| 4. | NVR Mortgage | $309 million |
| 5. | Citizens Bank | $297 million |
| 6. | FNB of Penn | $248 million |
| 7. | Movement | $244 million |
| 8. | Howard Hanna | $238 million |
| 9. | Dollar Bank | $223 million |
| 10. | S&T Bank | $168 million |
The Best Pennsylvania Mortgage Lenders May or May Not Be Listed Above
It’s important to differentiate top and best, as one refers to size and the other customer satisfaction.
At the same time, the two terms can apply to one company, assuming it is both large and loved by its clients.
In past surveys of customers satisfaction, PNC was merely average, Pennymac below average, and Newrez was at the bottom of the list.
Conversely, CrossCountry Mortgage ranked near the top just behind Rocket, and loanDepot also had solid marks.
In other words, company size and high ratings don’t always go hand-in-hand, so you need to put in the time to research.
It’s also worth checking out local lenders, especially if it’s for a home purchase, with companies like Philly-based Allied Mortgage Group not as large, but well regarded.
Remember, you’re not buying a washing machine, you’re getting a mortgage that could stay with you for 30 years.
Take the time to read company reviews, check out third-party ratings websites, and ask for referrals from friends and family.
As I always say, you might find a small, local credit union or mortgage broker that is a better fit than a giant lender. Or you might want to go with a household name.
Either way, gather a few quotes and speak to a handful of different companies so you can get a better feel for what’s out there.
(photo: Doug Kerr)
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Hi. Would you please update these state lists more often? Yearly or bi-yearly or even quarterly? Thank you.
I would but the HMDA data only comes out once a year.