Mortgage Lenders and Brokers in Ephrata, 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
Ephrata, Pennsylvania mortgage lenders include Fulton Bank, National AssociationFulton Bank, National Association130 N Reading Rd, Ephrata, PA 17522A+5.0 ★Texas Ratio: 4.85%, The Ephrata National BankThe Ephrata National BankPo Box 457, Ephrata, PA 17522A+5.0 ★Texas Ratio: 4.34%, Bank of Bird in HandBank of Bird in Hand1759 W Main St, Ephrata, PA 17522A+5.0 ★Texas Ratio: 1.79%, Truist BankTruist Bank399 N Reading Rd, Ephrata, PA 17522A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.280 N Reading Rd, Ephrata, PA 17522A+5.0 ★Texas Ratio: 4.24%, Members 1St FCUMembers 1St FCU836 E Main St, Ephrata, PA 17522 2562A+5.0 ★Texas Ratio: 3.79%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union113 Research Dr, Bethlehem, PA 18015 4731A+5.0 ★Texas Ratio: 4.23%, Belco Community Credit UnionBelco Community Credit Union3500 Trindle Rd, Camp Hill, PA 17011 4439A+5.0 ★Texas Ratio: 3.06%, Univest Bank and Trust Co.Univest Bank and Trust Co.5089 Hamilton Blvd, Allentown, PA 18106A5.0 ★Texas Ratio: 6.10%, and Lanco Federal Credit UnionLanco Federal Credit Union4213 Oregon Pike, Ephrata, PA 17522A+5.0 ★Texas Ratio: 5.06%. 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 Ephrata, Pennsylvania in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ephrata 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 Ephrata, Pennsylvania
Market share is the lender's share of all home loans closed in Ephrata, 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 Ephrata 130 N Reading Rd, Ephrata, PA 17522 A+5.0 ★Texas Ratio: 4.85% |
Conventional, HELOC | 16 +6 HELOCs |
7.9% | 100% | $195,000 | View |
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1 office in Ephrata Po Box 457, Ephrata, PA 17522 A+5.0 ★Texas Ratio: 4.34% |
Conventional, HELOC | 6 +29 HELOCs |
3% | 100% | $325,000 | View |
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1 office in Ephrata 1759 W Main St, Ephrata, PA 17522 A+5.0 ★Texas Ratio: 1.79% |
Conventional | 3 | 1.5% | 100% | $161,666 | View |
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★ 1 stars, 1 review 1 office in Ephrata 399 N Reading Rd, Ephrata, PA 17522 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +6 HELOCs |
0.5% | 100% | $85,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Ephrata 280 N Reading Rd, Ephrata, PA 17522 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +3 HELOCs |
0.5% | 100% | $175,000 | View |
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836 E Main St, Ephrata, PA 17522 2562 A+5.0 ★Texas Ratio: 3.79% |
Conventional, HELOC | 6 +27 HELOCs |
3% | 66.7% | $113,333 | View |
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113 Research Dr, Bethlehem, PA 18015 4731 A+5.0 ★Texas Ratio: 4.23% |
Conventional, HELOC | 5 +4 HELOCs |
2.5% | 100% | $145,000 | View |
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3500 Trindle Rd, Camp Hill, PA 17011 4439 A+5.0 ★Texas Ratio: 3.06% |
Conventional, HELOC | 2 +3 HELOCs |
1% | 100% | $45,000 | View |
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5089 Hamilton Blvd, Allentown, PA 18106 A5.0 ★Texas Ratio: 6.10% |
Conventional, FHA | 2 | 1% | 66.7% | $275,000 | View |
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4213 Oregon Pike, Ephrata, PA 17522 A+5.0 ★Texas Ratio: 5.06% |
Conventional | 2 | 1% | 100% | $80,000 | View |
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7540 Windsor Drive Suite 203, Allentown, PA 18195 A+5.0 ★Texas Ratio: 4.11% |
FHA, HELOC | 1 +1 HELOCs |
0.5% | 100% | $175,000 | View |
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2510 Delta Rd, Brogue, PA 17309 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $225,000 | View |
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1100 Logan Blvd, Altoona, PA 16602 A+5.0 ★Texas Ratio: 2.93% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $375,000 | View |
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4923 Edgmont Ave, Brookhaven, PA 19015 1128 A+5.0 ★Texas Ratio: 2.94% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
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3900 Hamilton Blvd, Allentown, PA 18103 A+5.0 ★Texas Ratio: 4.25% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
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907 22nd St, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
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2724 Harts Run Rd, Allison Park, PA 15101 A5.0 ★Texas Ratio: 10.25% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
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413 S Logan Blvd, Altoona, PA 16602 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
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4201 Oregon Pike, Ephrata, PA 17522 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $235,000 | View |
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733 Lancaster Ave Ste K, Reading, PA 19607 1602 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $305,000 | View |
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1021 Sharp Ave, Ephrata, PA 17522 A+5.0 ★Texas Ratio: 4.82% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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6591 Perkiomen Ave, Birdsboro, PA 19508 A+5.0 ★Texas Ratio: 1.56% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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2719 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 1.62% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeSale Mortgage
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Conventional, FHA | 7 | 3.4% | 100% | $255,000 | |
Newrez LLC
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Conventional, FHA | 3 | 1.5% | 75% | $158,333 | |
Linkbank
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Conventional | 2 | 1% | 100% | $270,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 0.5% | 100% | $125,000 | |
| Conventional, FHA, VA, USDA | 36 | 17.7% | 100% | $262,777 | View | |
Rocket Mortgage
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Conventional, FHA | 18 | 8.9% | 82.6% | $196,111 | |
New American Funding, LLC.
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Conventional, FHA, VA | 13 | 6.4% | 92.9% | $190,384 | |
Pennymac Loan Services LLC
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Conventional, FHA | 11 | 5.4% | 91.7% | $197,727 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 4.4% | 100% | $225,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 7 | 3.4% | 100% | $246,428 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 5 +1 HELOCs |
2.5% | 100% | $269,000 | |
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A+5.0 ★Texas Ratio: 3.02% |
FHA, VA | 3 | 1.5% | 100% | $238,333 | View |
AmeriHome Mortgage Company, LLC
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Conventional | 3 | 1.5% | 100% | $308,333 | |
Cmg Mortgage Inc
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Conventional, HELOC | 2 +1 HELOCs |
1% | 66.7% | $255,000 | |
EMM Loans LLC
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Conventional | 2 | 1% | 100% | $285,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 1% | 66.7% | $95,000 | |
Mortgage Research Center
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Conventional | 2 | 1% | 50% | $205,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1% | 100% | $290,000 | |
Polaris Home Funding Corp.
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FHA | 1 | 0.5% | 100% | $155,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.5% | 100% | $185,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.5% | 100% | $185,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.5% | 33.3% | $35,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $225,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 50% | $225,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.5% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 2.76% |
Conventional | 1 | 0.5% | 50% | $35,000 | View |
Credit Union Mortgage Associat
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Conventional | 1 | 0.5% | 100% | $145,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.5% | 100% | $65,000 | |
Network Capital Funding Corporation
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Conventional | 1 | 0.5% | 100% | $225,000 | |
Embrace Home Loans, Inc.
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FHA | 1 | 0.5% | 100% | $325,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $225,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.5% | 100% | $235,000 | |
Lower, LLC
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FHA | 1 | 0.5% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.5% | 100% | $465,000 | View |
21St Mortgage
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Conventional | 1 | 0.5% | 33.3% | $35,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 100% | $75,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ephrata 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 Ephrata, Pennsylvania
Looking for mortgage lenders near me or mortgage brokers near me in Ephrata? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ephrata in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ephrata, PA
Use these to narrow the list above. Each category shows how many Ephrata, PA lenders fit and what that kind of lender is usually best for.
Who Lends in Ephrata, PA
Independent mortgage companies closed 67.5 percent of home loans in Ephrata, Pennsylvania in 2025, banks 23.6 percent and credit unions 8.9 percent. Newrez LLC was the largest mortgage company, Fulton Bank, National Association the largest bank and Members 1St FCU the largest credit union. Among lenders headquartered in Pennsylvania, Fulton Bank, National Association led with 16 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 Ephrata, PA
By home loans closed in 2025, Fulton Bank, National Association was the largest mortgage lender in Ephrata, Pennsylvania with 16 loans, about 7.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Ephrata, Pennsylvania in 2025, led by Guild Mortgage Company with 7. 5 lenders closed VA loans, led by Guild Mortgage Company, 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. 19 banks and 9 credit unions closed home loans in Ephrata, Pennsylvania in 2025, alongside 36 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 Ephrata, 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 Ephrata, 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 Ephrata. 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.
