Mortgage Lenders and Brokers in Scotland, 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
Scotland, Pennsylvania mortgage lenders include Farmers and Merchants Trust Company of ChambersburgFarmers and Merchants Trust Company of Chambersburg3 E 1st St, Boiling Springs, PA 17007, Orrstown BankOrrstown Bank2510 Delta Rd, Brogue, PA 17309A+5.0 ★Texas Ratio: 4.11%, Members 1St FCUMembers 1St FCU5605 Hamilton Blvd, Allentown, PA 18106 9720A+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%, Fulton Bank, National AssociationFulton Bank, National Association1408 Old York Rd, Abington, PA 19001A+5.0 ★Texas Ratio: 4.85%, Patriot FCUPatriot FCU247 Overcash Ave, Chambersburg, PA 17201A+5.0 ★Texas Ratio: 1.50%, M&T BankM&T Bank7540 Windsor Drive Suite 203, Allentown, PA 18195A+5.0 ★Texas Ratio: 4.11%, Truist BankTruist Bank1139 W Hamilton St, Allentown, PA 18101A+5.0 ★Texas Ratio: 2.87%, Acnb BankAcnb Bank3425 Biglerville Rd, Biglerville, PA 17307A+5.0 ★Texas Ratio: 2.55%, and Mid Penn BankMid Penn Bank3900 Hamilton Blvd, Allentown, PA 18103A+5.0 ★Texas Ratio: 4.25%. 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 Scotland, Pennsylvania in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Scotland 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 Scotland, Pennsylvania
Market share is the lender's share of all home loans closed in Scotland, 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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Farmers and Merchants Trust Company of Chambersburg
3 E 1st St, Boiling Springs, PA 17007 |
Conventional, FHA, HELOC | 10 +25 HELOCs |
3.9% | 100% | $325,000 | |
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2510 Delta Rd, Brogue, PA 17309 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 7 +14 HELOCs |
2.7% | 100% | $237,857 | View |
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5605 Hamilton Blvd, Allentown, PA 18106 9720 A+5.0 ★Texas Ratio: 3.79% |
Conventional, FHA, HELOC | 7 +8 HELOCs |
2.7% | 63.6% | $125,000 | View |
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113 Research Dr, Bethlehem, PA 18015 4731 A+5.0 ★Texas Ratio: 4.23% |
Conventional, HELOC | 6 +2 HELOCs |
2.3% | 100% | $88,333 | View |
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1408 Old York Rd, Abington, PA 19001 A+5.0 ★Texas Ratio: 4.85% |
Conventional, VA, Jumbo | 5 | 1.9% | 100% | $399,000 | View |
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247 Overcash Ave, Chambersburg, PA 17201 A+5.0 ★Texas Ratio: 1.50% |
Conventional, HELOC | 4 +37 HELOCs |
1.5% | 40% | $115,000 | View |
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7540 Windsor Drive Suite 203, Allentown, PA 18195 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 4 +24 HELOCs |
1.5% | 100% | $265,000 | View |
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★ 1 stars, 1 review 1139 W Hamilton St, Allentown, PA 18101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +1 HELOCs |
1.5% | 100% | $280,000 | View |
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3425 Biglerville Rd, Biglerville, PA 17307 A+5.0 ★Texas Ratio: 2.55% |
Conventional, HELOC | 3 +1 HELOCs |
1.2% | 100% | $261,666 | View |
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3900 Hamilton Blvd, Allentown, PA 18103 A+5.0 ★Texas Ratio: 4.25% |
Conventional | 1 | 0.4% | 100% | $415,000 | View |
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990 Old York Rd, Abington, PA 19001 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 50% | $185,000 | View |
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2706 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
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1156 Kennebec Dr, Chambersburg, PA 17201 A+5.0 ★Texas Ratio: 0.97% |
Conventional | 1 | 0.4% | 50% | $75,000 | View |
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1550 S Main St Ste 1, Mansfield, PA 16933 9586 A+5.0 ★Texas Ratio: 2.80% |
Conventional | 1 | 0.4% | 100% | $245,000 | |
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50 Pennsylvania Ave, Huntingdon, PA 16652 A+5.0 ★Texas Ratio: 3.91% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
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1101 Old York Rd, Abington, PA 19001 A+5.0 ★Texas Ratio: 5.36% |
VA | 1 | 0.4% | 100% | $255,000 | View |
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3500 Trindle Rd, Camp Hill, PA 17011 4439 A+5.0 ★Texas Ratio: 3.06% |
Conventional | 1 | 0.4% | 100% | $95,000 | View |
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1359 Old York Rd, Abington, PA 19001 A5.0 ★Texas Ratio: 9.33% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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1100 Logan Blvd, Altoona, PA 16602 A+5.0 ★Texas Ratio: 2.93% |
Conventional | 1 | 0.4% | 100% | $245,000 | 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 | |
Foote Capital Mortgage Company
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Conventional, VA | 3 | 1.2% | 100% | $228,333 | |
HomeSale Mortgage
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Conventional, FHA | 3 | 1.2% | 75% | $238,333 | |
Newrez LLC
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FHA | 1 | 0.4% | 100% | $185,000 | |
Horizon Farm Credit, ACA
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Conventional | 1 | 0.4% | 100% | $505,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 31 | 12% | 86.5% | $231,451 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 16 | 6.2% | 100% | $340,625 | |
| Conventional, FHA, VA | 16 | 6.2% | 94.7% | $222,500 | View | |
United Wholesale Mortgage
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Conventional, FHA, VA | 14 | 5.4% | 78.9% | $359,285 | |
Integrity Home Mortgage Corporation
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Conventional, FHA, VA, USDA | 14 | 5.4% | 94.1% | $221,428 | |
New American Funding, LLC.
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Conventional, VA, USDA | 11 | 4.2% | 100% | $270,454 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 9 | 3.5% | 90.9% | $200,555 | |
Direct Mortgage Loans, LLC
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Conventional, FHA, VA | 9 | 3.5% | 100% | $230,555 | |
Mortgage Research Center
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FHA, VA | 9 | 3.5% | 69.2% | $287,222 | |
Tidewater Mortgage Services, Inc
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Conventional, FHA | 4 | 1.5% | 100% | $267,500 | |
loanDepot.com LLC
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FHA, VA, HELOC | 3 +1 HELOCs |
1.2% | 50% | $425,000 | |
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A+5.0 ★Texas Ratio: 3.02% |
VA | 3 | 1.2% | 80% | $265,000 | View |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 3 | 1.2% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 2 +1 HELOCs |
0.8% | 66.7% | $375,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 2 | 0.8% | 100% | $250,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.8% | 50% | $95,000 | |
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A+5.0 ★Texas Ratio: 2.80% |
Conventional | 2 | 0.8% | 100% | $225,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.8% | 66.7% | $350,000 | View |
American Pacific Mortgage Corporation
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FHA, VA | 2 | 0.8% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 0.74% |
Conventional, Jumbo | 2 | 0.8% | 100% | $2,025,000 | View |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 0.8% | 100% | $190,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.8% | 40% | $130,000 | |
Corning Credit Union
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Conventional, HELOC | 1 +8 HELOCs |
0.4% | 50% | $325,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $25,000 | View |
Guaranteed Rate, Inc.
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $345,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.4% | 100% | $265,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Primelending
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USDA | 1 | 0.4% | 100% | $275,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.4% | 50% | $405,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 50% | $105,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $335,000 | |
Fidelity Direct Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
FHA | 1 | 0.4% | 100% | $285,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $195,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.4% | 100% | $625,000 | |
Network Funding, L.P.
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Conventional | 1 | 0.4% | 100% | $345,000 | |
Bay Equity LLC
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VA | 1 | 0.4% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 0.91% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
Weichert Financial Services
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Conventional | 1 | 0.4% | 100% | $295,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 33.3% | $175,000 | |
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A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.4% | 100% | $435,000 | View |
Member First Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $325,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 33.3% | $65,000 | |
Logan Finance Corporation
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Conventional | 1 | 0.4% | 100% | $215,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.4% | 100% | $145,000 | |
TowneBank
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Zillow Home Loans, LLC
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VA | 1 | 0.4% | 50% | $335,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.4% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.4% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $185,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
VA | 1 | 0.4% | 100% | $525,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
The Loan Store, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a |
Scotland 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 Scotland, Pennsylvania
Looking for mortgage lenders near me or mortgage brokers near me in Scotland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Scotland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Scotland, PA
Use these to narrow the list above. Each category shows how many Scotland, PA lenders fit and what that kind of lender is usually best for.
Who Lends in Scotland, PA
Independent mortgage companies closed 70.7 percent of home loans in Scotland, Pennsylvania in 2025, banks 20.5 percent and credit unions 8.9 percent. Foote Capital Mortgage Company was the largest mortgage company, Farmers and Merchants Trust Company of Chambersburg the largest bank and Members 1St FCU the largest credit union. Among lenders headquartered in Pennsylvania, Farmers and Merchants Trust Company of Chambersburg led with 10 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 Scotland, PA
By home loans closed in 2025, Farmers and Merchants Trust Company of Chambersburg was the largest mortgage lender in Scotland, Pennsylvania with 10 loans, about 3.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Scotland, Pennsylvania in 2025, led by Rocket Mortgage with 6. 23 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 26 banks and 8 credit unions closed home loans in Scotland, Pennsylvania in 2025, alongside 46 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 Scotland, 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 Scotland, 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 Scotland. 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.
