Mortgage Lenders and Brokers in Oil City, 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
Oil City, Pennsylvania mortgage lenders include Northwest BankNorthwest Bank105 Petroleum St, Oil City, PA 16301A+5.0 ★Texas Ratio: 3.99%, Citizens Bank, NACitizens Bank, NA24 State St, Oil City, PA 16301A+5.0 ★Texas Ratio: 5.44%, Top Tier Federal Credit UnionTop Tier Federal Credit Union204 Allegheny Blvd, Brookville, PA 15825A+5.0 ★Texas Ratio: 4.09%, First National Bank of PAFirst National Bank of PA2719 Brodhead Rd, Aliquippa, PA 15001A+5.0 ★Texas Ratio: 1.62%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union113 Research Dr, Bethlehem, PA 18015 4731A+5.0 ★Texas Ratio: 4.23%, Keybank National AssociationKeybank National Association20 West Skippack Pike, Ambler, PA 19002A+5.0 ★Texas Ratio: 4.81%, Bank of America NABank of America NA3300 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%, Marquette Savings BankMarquette Savings Bank14 N Main St, Albion, PA 16401A+5.0 ★Texas Ratio: 3.98%, and PNC Bank N.A.PNC Bank N.A.2676 Brodhead Rd, Aliquippa, PA 15001A+5.0 ★Texas Ratio: 4.24%. 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 Oil City, Pennsylvania in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oil City 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 Oil City, Pennsylvania
Market share is the lender's share of all home loans closed in Oil City, 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 Oil City 105 Petroleum St, Oil City, PA 16301 A+5.0 ★Texas Ratio: 3.99% |
Conventional, VA, HELOC | 8 +1 HELOCs |
11.4% | 66.7% | $75,000 | View |
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1 office in Oil City 24 State St, Oil City, PA 16301 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +9 HELOCs |
1.4% | 100% | $75,000 | View |
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204 Allegheny Blvd, Brookville, PA 15825 A+5.0 ★Texas Ratio: 4.09% |
Conventional | 10 | 14.3% | 100% | $86,000 | View |
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2719 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 3 +1 HELOCs |
4.3% | 75% | $21,666 | View |
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113 Research Dr, Bethlehem, PA 18015 4731 A+5.0 ★Texas Ratio: 4.23% |
Conventional, HELOC | 1 +3 HELOCs |
1.4% | 50% | $135,000 | View |
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20 West Skippack Pike, Ambler, PA 19002 A+5.0 ★Texas Ratio: 4.81% |
FHA | 1 | 1.4% | 100% | $145,000 | View |
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3300 Lehigh St, Allentown, PA 18103 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 1.4% | 100% | $225,000 | View |
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1101 Old York Rd, Abington, PA 19001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.4% | 100% | $65,000 | View |
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14 N Main St, Albion, PA 16401 A+5.0 ★Texas Ratio: 3.98% |
Conventional | 1 | 1.4% | 100% | $125,000 | View |
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★ 1.7 stars, 3 reviews 2676 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Affordable Mortgage Advisors
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Conventional | 2 | 2.9% | 100% | $85,000 | |
Victorian Finance, LLC
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FHA | 1 | 1.4% | 100% | $235,000 | |
Tidewater Mortgage Services, Inc
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Conventional, FHA | 10 | 14.3% | 90.9% | $121,000 | |
Rocket Mortgage
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Conventional, FHA | 9 | 12.9% | 75% | $110,555 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 7 | 10% | 100% | $113,571 | |
Royal United Mortgage LLC
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Conventional | 3 | 4.3% | 100% | $71,666 | |
Mortgage Research Center
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VA | 3 | 4.3% | 42.9% | $158,333 | |
Atlantic Coast Mortgage, LLC
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FHA | 1 | 1.4% | 100% | $65,000 | |
Nbkc Bank
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VA | 1 | 1.4% | 100% | $145,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.4% | 33.3% | $65,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 1.4% | 100% | $115,000 | |
BoxCar Mortgage, LLC
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FHA | 1 | 1.4% | 100% | $105,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.4% | 100% | $65,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.4% | 25% | $105,000 | |
JMAC Lending, Inc.
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VA | 1 | 1.4% | 100% | $285,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Oil City 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 Oil City, Pennsylvania
Looking for mortgage lenders near me or mortgage brokers near me in Oil City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oil City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oil City, PA
Use these to narrow the list above. Each category shows how many Oil City, PA lenders fit and what that kind of lender is usually best for.
Who Lends in Oil City, PA
Independent mortgage companies closed 58.6 percent of home loans in Oil City, Pennsylvania in 2025, banks 24.3 percent and credit unions 17.1 percent. Affordable Mortgage Advisors was the largest mortgage company, Northwest Bank the largest bank and Top Tier Federal Credit Union the largest credit union. Among lenders headquartered in Pennsylvania, Northwest Bank led with 8 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 Oil City, PA
By home loans closed in 2025, Northwest Bank was the largest mortgage lender in Oil City, Pennsylvania with 8 loans, about 11.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Oil City, Pennsylvania in 2025, led by Rocket Mortgage with 5. 5 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. 10 banks and 3 credit unions closed home loans in Oil City, Pennsylvania in 2025, alongside 15 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 Oil City, 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 Oil City, 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 Oil City. 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.
