Mortgage Lenders and Brokers in Mechanicsburg, Pennsylvania
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Mechanicsburg, Pennsylvania mortgage lenders include First National Bank of PAFirst National Bank of PA5032 Simpson Ferry Rd, Mechanicsburg, PA 17050A+5.0 ★Texas Ratio: 1.62%, AmeriChoice Federal Credit UnionAmeriChoice Federal Credit Union2175 Bumble Bee Hollow Rd, Mechanicsburg, PA 17055 5563A5.0 ★Texas Ratio: 7.93%, Mid Penn BankMid Penn Bank4622 Carlisle Pike, Mechanicsburg, PA 17050A+5.0 ★Texas Ratio: 4.25%, PNC Bank N.A.PNC Bank N.A.2 E Main St, Mechanicsburg, PA 17055A+5.0 ★Texas Ratio: 4.24%, M&T BankM&T Bank5528 Carlisle Pike, Mechanicsburg, PA 17050A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA5528 Carlisle Pike, Mechanicsburg, PA 17050A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA6416 Carlisle Pike, Mechanicsburg, PA 17050A+5.0 ★Texas Ratio: 5.36%, Citizens Bank, NACitizens Bank, NA2 W Main St, Mechanicsburg, PA 17055A+5.0 ★Texas Ratio: 5.44%, First Commonwealth BankFirst Commonwealth Bank6480 Carlisle Pike, Mechanicsburg, PA 17050A5.0 ★Texas Ratio: 10.25%, and Orrstown BankOrrstown Bank3 Baden Powell Ln, Mechanicsburg, PA 17050A+5.0 ★Texas Ratio: 4.11%. 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 Mechanicsburg, Pennsylvania in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Mechanicsburg 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 Mechanicsburg, Pennsylvania
Market share is the lender's share of all home loans closed in Mechanicsburg, 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 |
|---|---|---|---|---|---|---|
|
2 offices in Mechanicsburg 5032 Simpson Ferry Rd, Mechanicsburg, PA 17050 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 6 +2 HELOCs |
3% | 85.7% | $498,333 | View |
|
2175 Bumble Bee Hollow Rd, Mechanicsburg, PA 17055 5563 A5.0 ★Texas Ratio: 7.93% |
Conventional | 4 | 2% | 100% | $30,000 | View |
|
2 offices in Mechanicsburg 4622 Carlisle Pike, Mechanicsburg, PA 17050 A+5.0 ★Texas Ratio: 4.25% |
Conventional | 2 | 1% | 100% | $215,000 | View |
|
★ 1.7 stars, 3 reviews 1 office in Mechanicsburg 2 E Main St, Mechanicsburg, PA 17055 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA | 2 | 1% | 100% | $250,000 | View |
|
1 office in Mechanicsburg 5528 Carlisle Pike, Mechanicsburg, PA 17050 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $155,000 | View |
|
1 office in Mechanicsburg 5528 Carlisle Pike, Mechanicsburg, PA 17050 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
|
1 office in Mechanicsburg 6416 Carlisle Pike, Mechanicsburg, PA 17050 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
|
1 office in Mechanicsburg 2 W Main St, Mechanicsburg, PA 17055 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +9 HELOCs |
0% | n/a | View | |
|
1 office in Mechanicsburg 6480 Carlisle Pike, Mechanicsburg, PA 17050 A5.0 ★Texas Ratio: 10.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1 office in Mechanicsburg 3 Baden Powell Ln, Mechanicsburg, PA 17050 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
6280 Carlisle Pike, Mechanicsburg, PA 17050 2305 A+5.0 ★Texas Ratio: 3.79% |
Conventional, HELOC | 21 +43 HELOCs |
10.5% | 87.5% | $79,761 | View |
|
113 Research Dr, Bethlehem, PA 18015 4731 A+5.0 ★Texas Ratio: 4.23% |
Conventional, HELOC | 10 +7 HELOCs |
5% | 78.6% | $183,000 | View |
|
6520 Carlisle Pike, Mechanicsburg, PA 17050 A+5.0 ★Texas Ratio: 4.85% |
Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $410,000 | View |
|
50 W Lancaster Ave, Ardmore, PA 19003 A+5.0 ★Texas Ratio: 3.10% |
Conventional | 2 | 1% | 100% | $160,000 | View |
|
5304 Carlisle Pike, Mechanicsburg, PA 17050 A+5.0 ★Texas Ratio: 3.06% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $135,000 | View |
Farmers and Merchants Trust Company of Chambersburg
6375 Carlisle Pike, Mechanicsburg, PA 17050 |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $315,000 | |
|
9775 Route 75 S, East Waterford, PA 17021 A5.0 ★Texas Ratio: 8.88% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
|
7180 Bernville Rd, Bernville, PA 19506 A+5.0 ★Texas Ratio: 1.79% |
Conventional | 1 | 0.5% | 100% | $245,000 | View |
|
★ 1 stars, 1 review 1139 W Hamilton St, Allentown, PA 18101 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Newrez LLC
|
FHA, VA | 2 | 1% | 66.7% | $245,000 | |
Howard Hanna Financial Services, Inc
|
Conventional | 2 | 1% | 100% | $295,000 | |
Linkbank
|
Conventional | 2 | 1% | 100% | $300,000 | |
Filo Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $415,000 | |
Foote Capital Mortgage Company
|
Conventional | 1 | 0.5% | 100% | $285,000 | |
New Cumberland Office (Main)
|
Conventional | 1 | 0.5% | 50% | $135,000 | |
Spring Eq, LLC
|
Conventional | 1 | 0.5% | 33.3% | $55,000 | |
New American Funding, LLC.
|
Conventional, FHA, VA | 20 | 10% | 100% | $220,500 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 13 | 6.5% | 100% | $271,923 | |
Rocket Mortgage
|
Conventional, FHA, VA | 13 | 6.5% | 76.5% | $213,461 | |
Pennymac Loan Services LLC
|
Conventional | 9 | 4.5% | 100% | $339,444 | |
| Conventional, VA | 8 | 4% | 88.9% | $243,750 | View | |
Fairway Independent Mort Corp
|
Conventional | 8 | 4% | 100% | $233,750 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 7 | 3.5% | 100% | $293,571 | |
Tidewater Mortgage Services, Inc
|
Conventional | 3 | 1.5% | 100% | $315,000 | |
First Community Mortgage, Inc.
|
Conventional | 3 | 1.5% | 100% | $305,000 | |
AmeriHome Mortgage Company, LLC
|
Conventional | 3 | 1.5% | 100% | $255,000 | |
Movement Mortgage, LLC
|
Conventional, FHA | 3 | 1.5% | 100% | $151,666 | |
Cmg Mortgage Inc
|
Conventional, USDA | 3 | 1.5% | 100% | $141,666 | |
Mortgage Research Center
|
VA | 3 | 1.5% | 75% | $348,333 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 2 | 1% | 100% | $290,000 | |
Primary Residential Mortgage, INC.
|
Conventional, VA | 2 | 1% | 100% | $320,000 | |
|
A+5.0 ★Texas Ratio: 3.02% |
FHA | 2 | 1% | 66.7% | $235,000 | View |
loanDepot.com LLC
|
Conventional | 2 | 1% | 100% | $160,000 | |
Amerisave Mortgage Company
|
Conventional, FHA | 2 | 1% | 100% | $90,000 | |
First Alliance Home Mortgage, LLC
|
Conventional, FHA | 2 | 1% | 100% | $200,000 | |
Guaranteed Rate, Inc.
|
Conventional | 1 | 0.5% | 50% | $175,000 | |
Atlantic Coast Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $165,000 | |
Everett Financial, Inc.
|
Conventional | 1 | 0.5% | 100% | $315,000 | |
Lakeview Loan Servicing, LLC
|
Conventional | 1 | 0.5% | 25% | $285,000 | |
All Credit Considered Mortgage, Inc.
|
Conventional | 1 | 0.5% | 100% | $165,000 | |
|
D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.5% | 100% | $415,000 | View |
AdvantageFirst Lending Inc
|
FHA | 1 | 0.5% | 100% | $245,000 | |
|
A+5.0 ★Texas Ratio: 0.00% |
FHA | 1 | 0.5% | 100% | $225,000 | View |
Nqm Funding, LLC
|
FHA | 1 | 0.5% | 100% | $275,000 | |
|
A5.0 ★Texas Ratio: 9.77% |
VA | 1 | 0.5% | 100% | $355,000 | View |
American Federal Mortgage Corporation
|
Conventional | 1 | 0.5% | 100% | $235,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.5% | 100% | $405,000 | |
First Colony Mortgage Corporat
|
Conventional | 1 | 0.5% | 100% | $135,000 | |
Library of Congress Federal Credit Union
|
Conventional | 1 | 0.5% | 100% | $35,000 | |
Nfm, Inc
|
Conventional | 1 | 0.5% | 100% | $285,000 | |
Provident Funding Associates
|
Conventional | 1 | 0.5% | 100% | $355,000 | |
American Pacific Mortgage Corporation
|
Conventional | 1 | 0.5% | 100% | $285,000 | |
|
A+5.0 ★Texas Ratio: 3.17% |
FHA | 1 | 0.5% | 100% | $215,000 | View |
Pentagon Federal Credit Union
|
VA | 1 | 0.5% | 100% | $305,000 | |
Better Mortgage Corporation
|
Conventional | 1 | 0.5% | 100% | $95,000 | |
Radius Financial Group Inc
|
FHA | 1 | 0.5% | 100% | $265,000 | |
The Loan Store, Inc
|
Conventional | 1 | 0.5% | 100% | $125,000 | |
Nations Direct Mortgage, LLC
|
FHA | 1 | 0.5% | 100% | $395,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.5% | 100% | $245,000 | |
Plaza Home Mortgage, Inc
|
Conventional | 1 | 0.5% | 100% | $135,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional | 1 | 0.5% | 100% | $225,000 | |
Figure Lending LLC
|
HELOC | 0 +4 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Mechanicsburg 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 Mechanicsburg, Pennsylvania
Looking for mortgage lenders near me or mortgage brokers near me in Mechanicsburg? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Mechanicsburg in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Mechanicsburg, PA
Use these to narrow the list above. Each category shows how many Mechanicsburg, PA lenders fit and what that kind of lender is usually best for.
Who Lends in Mechanicsburg, PA
Independent mortgage companies closed 67 percent of home loans in Mechanicsburg, Pennsylvania in 2025, banks 13 percent and credit unions 20 percent. Newrez LLC was the largest mortgage company, First National Bank of PA the largest bank and AmeriChoice Federal Credit Union the largest credit union. Among lenders headquartered in Pennsylvania, First National Bank of PA led with 6 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 Mechanicsburg, PA
By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in Mechanicsburg, Pennsylvania with 6 loans, about 3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Mechanicsburg, Pennsylvania in 2025, led by Rocket Mortgage with 5. 9 lenders closed VA loans, led by United Wholesale Mortgage, 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 Mechanicsburg, Pennsylvania in 2025, alongside 47 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 Mechanicsburg, 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 Mechanicsburg, 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 Mechanicsburg. 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.
