Mortgage Lenders and Brokers in Effort, Pennsylvania
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Effort, Pennsylvania mortgage lenders include Wayne BankWayne Bank2226 Barney Ln, Effort, PA 18330A5.0 ★Texas Ratio: 10.36%, First Northern Bank and Trust CompanyFirst Northern Bank and Trust Company383 S Walnut St, Bath, PA 18014A+5.0 ★Texas Ratio: 5.78%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union113 Research Dr, Bethlehem, PA 18015 4731A+5.0 ★Texas Ratio: 4.23%, Mortgage America, Inc.Mortgage America, Inc.3300 Lehigh St, Allentown, PA 18103A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA1101 Old York Rd, Abington, PA 19001A+5.0 ★Texas Ratio: 5.36%, First National Bank of PAFirst National Bank of PA2719 Brodhead Rd, Aliquippa, PA 15001A+5.0 ★Texas Ratio: 1.62%, PNC Bank N.A.PNC Bank N.A.2676 Brodhead Rd, Aliquippa, PA 15001A+5.0 ★Texas Ratio: 4.24%, Members 1St FCUMembers 1St FCU5605 Hamilton Blvd, Allentown, PA 18106 9720A+5.0 ★Texas Ratio: 3.79%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA990 Old York Rd, Abington, PA 19001A+5.0 ★Texas Ratio: 3.68%, and People First Federal Credit UnionPeople First Federal Credit Union2141 Downyflake Ln, Allentown, PA 18103 4774A5.0 ★Texas Ratio: 9.56%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Effort, Pennsylvania in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Effort are listed first, then lenders elsewhere in Pennsylvania, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Effort, Pennsylvania
Market share is the lender's share of all home loans closed in Effort, Pennsylvania. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Effort 2226 Barney Ln, Effort, PA 18330 A5.0 ★Texas Ratio: 10.36% |
Conventional | 3 | 1.6% | 60% | $108,333 | View |
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383 S Walnut St, Bath, PA 18014 A+5.0 ★Texas Ratio: 5.78% |
Conventional | 6 | 3.2% | 75% | $118,333 | View |
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113 Research Dr, Bethlehem, PA 18015 4731 A+5.0 ★Texas Ratio: 4.23% |
Conventional, HELOC | 5 +2 HELOCs |
2.7% | 100% | $231,000 | View |
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3300 Lehigh St, Allentown, PA 18103 A+5.0 ★Texas Ratio: 4.14% |
Conventional, FHA | 3 | 1.6% | 100% | $338,333 | View |
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1101 Old York Rd, Abington, PA 19001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1.6% | 60% | $131,666 | View |
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2719 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 2 | 1.1% | 50% | $345,000 | View |
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★ 1.7 stars, 3 reviews 2676 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +4 HELOCs |
0.5% | 100% | $145,000 | View |
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5605 Hamilton Blvd, Allentown, PA 18106 9720 A+5.0 ★Texas Ratio: 3.79% |
Conventional | 1 | 0.5% | 50% | $515,000 | View |
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990 Old York Rd, Abington, PA 19001 A+5.0 ★Texas Ratio: 3.68% |
FHA | 1 | 0.5% | 100% | $425,000 | View |
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2141 Downyflake Ln, Allentown, PA 18103 4774 A5.0 ★Texas Ratio: 9.56% |
Conventional | 1 | 0.5% | 50% | $35,000 | View |
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3325 Street Rd, Bensalem, PA 19020 2021 A+5.0 ★Texas Ratio: 0.70% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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7 Pine Point Dr, Albrightsville, PA 18210 F1.0 ★Texas Ratio: 55.00% |
Conventional | 1 | 0.5% | 100% | $105,000 | View |
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500 S State St, Clarks Summit, PA 18411 A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.5% | 50% | $115,000 | View |
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5089 Hamilton Blvd, Allentown, PA 18106 A5.0 ★Texas Ratio: 6.10% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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4892 Buckeye Rd, Emmaus, PA 18049 A5.0 ★Texas Ratio: 8.82% |
Conventional | 1 | 0.5% | 100% | $265,000 | View |
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1359 Old York Rd, Abington, PA 19001 A5.0 ★Texas Ratio: 9.33% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
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337 Clay Ave, Stroudsburg, PA 18360 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $235,000 | View |
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907 22nd St, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 1139 W Hamilton St, Allentown, PA 18101 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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3920 W Tilghman St, Allentown, PA 18104 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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11 N Main St, Alburtis, PA 18011 A5.0 ★Texas Ratio: 6.26% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1408 Old York Rd, Abington, PA 19001 A+5.0 ★Texas Ratio: 4.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3250 Tillman Dr, Bensalem, PA 19020 2027 A+5.0 ★Texas Ratio: 3.89% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Newrez LLC
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Conventional, FHA | 5 | 2.7% | 75% | $183,000 | |
First Commonwealth Federal Cre
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Conventional | 4 | 2.2% | 66.7% | $95,000 | |
ESSA Bank & Trust
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Conventional | 3 | 1.6% | 75% | $145,000 | |
Spring Eq, LLC
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Conventional | 3 | 1.6% | 60% | $81,666 | |
Affordable Mortgage Advisors
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Conventional | 1 | 0.5% | 100% | $335,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 28 | 15.1% | 75.6% | $206,071 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 12 +1 HELOCs |
6.5% | 75% | $332,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 8 +1 HELOCs |
4.3% | 100% | $290,000 | |
Mortgage Research Center
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FHA, VA | 6 | 3.2% | 75% | $326,666 | |
Pennymac Loan Services LLC
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Conventional | 5 | 2.7% | 75% | $161,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 5 | 2.7% | 71.4% | $381,000 | |
| Conventional, VA | 4 | 2.2% | 80% | $210,000 | View | |
Cmg Mortgage Inc
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Conventional, FHA | 4 | 2.2% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 3.02% |
VA | 3 | 1.6% | 60% | $348,333 | View |
Movement Mortgage, LLC
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Conventional | 3 | 1.6% | 100% | $175,000 | |
Planet Home Lending, LLC
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Conventional, FHA | 3 | 1.6% | 100% | $331,666 | |
Keystone Funding, Inc
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FHA, VA | 3 | 1.6% | 100% | $345,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 1.1% | 100% | $140,000 | |
Better Mortgage Corporation
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FHA | 2 | 1.1% | 66.7% | $375,000 | |
IRCO Community Federal Credit Union
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Conventional | 2 | 1.1% | 100% | $60,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 1.1% | 40% | $375,000 | |
Ark-La-Tex Financial Services LLC
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FHA, USDA | 2 | 1.1% | 100% | $355,000 | |
Guaranteed Rate, Inc.
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $395,000 | |
Hartford Funding, Ltd.
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Conventional | 1 | 0.5% | 100% | $145,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $405,000 | |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.5% | 100% | $285,000 | |
American Financial Resources LLC
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FHA | 1 | 0.5% | 100% | $245,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $95,000 | |
Goodleap, LLC
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FHA | 1 | 0.5% | 100% | $215,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $135,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.5% | 100% | $185,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.5% | 100% | $325,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.5% | 50% | $365,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.5% | 50% | $305,000 | View |
Amerisave Mortgage Company
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FHA | 1 | 0.5% | 25% | $155,000 | |
Reliant Home Funding, Inc
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Conventional | 1 | 0.5% | 100% | $185,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.5% | 100% | $415,000 | |
Acre Mortgage & Financial, Inc.
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Conventional | 1 | 0.5% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 9.77% |
FHA | 1 | 0.5% | 100% | $245,000 | View |
Ocean Financial FCU
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Conventional | 1 | 0.5% | 100% | $35,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 0.91% |
Conventional | 1 | 0.5% | 100% | $85,000 | View |
Highlands Residential Mortgage, Ltd.
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FHA | 1 | 0.5% | 100% | $235,000 | |
Nfm, Inc
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Conventional | 1 | 0.5% | 100% | $355,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.5% | 100% | $585,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $305,000 | View |
Visions Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $125,000 | |
Credit Union of New Jersey
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Conventional | 1 | 0.5% | 100% | $425,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.5% | 100% | $465,000 | |
Provident Funding Associates
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Conventional | 1 | 0.5% | 100% | $485,000 | |
T2 Financial LLC
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Proponent FCU
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Conventional | 1 | 0.5% | 100% | $405,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $165,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.5% | 100% | $325,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.5% | 100% | $325,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.5% | 100% | $285,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.5% | 100% | $485,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.5% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.5% | 100% | $465,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.5% | 100% | $305,000 | |
Polish & Slavic Federal Credit
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Conventional | 1 | 0.5% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.5% | 100% | $245,000 | View |
Village Capital & Investment
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FHA | 1 | 0.5% | 66.7% | $335,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Service Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | 100% |
Effort Mortgage Rate Trends
Daily average mortgage rates for Pennsylvania compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Effort, Pennsylvania
Looking for mortgage lenders near me or mortgage brokers near me in Effort? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Effort in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Effort, PA
Use these to narrow the list above. Each category shows how many Effort, PA lenders fit and what that kind of lender is usually best for.
Who Lends in Effort, PA
Independent mortgage companies closed 71.4 percent of home loans in Effort, Pennsylvania in 2025, banks 16.2 percent and credit unions 12.4 percent. Mortgage America, Inc. was the largest mortgage company, Wayne Bank the largest bank and Pennsylvania State Employees Credit Union the largest credit union. Among lenders headquartered in Pennsylvania, Wayne Bank led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Pennsylvania. State realty transfer tax of 1 percent plus a local tax that is usually another 1 percent (Philadelphia 3.278 percent local, Pittsburgh 4 percent local), for a typical combined 2 percent customarily split between buyer and seller; no mortgage recording tax.
More Pennsylvania Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Effort, PA
By home loans closed in 2025, Wayne Bank was the largest mortgage lender in Effort, Pennsylvania with 3 loans, about 1.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
24 lenders closed FHA loans in Effort, Pennsylvania in 2025, led by Rocket Mortgage with 4. 10 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 24 banks and 16 credit unions closed home loans in Effort, Pennsylvania in 2025, alongside 52 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Effort, Pennsylvania during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Effort, Pennsylvania for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Effort. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
