Mortgage Lenders and Brokers in St. Michael, 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
St. Michael, Pennsylvania mortgage lenders include 1St Summit Bank1St Summit Bank2600 Plank Road Cmns, Altoona, PA 16601A+5.0 ★Texas Ratio: 3.83%, First Commonwealth BankFirst Commonwealth Bank2724 Harts Run Rd, Allison Park, PA 15101A5.0 ★Texas Ratio: 10.25%, First National Bank of PAFirst National Bank of PA2719 Brodhead Rd, Aliquippa, PA 15001A+5.0 ★Texas Ratio: 1.62%, Slovenian Savings & Loan Association of Franklin-ConemaughSlovenian Savings & Loan Association of Franklin-Conemaugh361 1st St, Conemaugh, PA 15909, Somerset Trust CompanySomerset Trust Company8796 Lincoln Hwy, Bedford, PA 15522A5.0 ★Texas Ratio: 12.17%, C-B-W Schools Federal Credit UnionC-B-W Schools Federal Credit Union194 Donald Ln Ste 4, Johnstown, PA 15904 2840A+5.0 ★Texas Ratio: 0.23%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union113 Research Dr, Bethlehem, PA 18015 4731A+5.0 ★Texas Ratio: 4.23%, Penncrest BankPenncrest Bank3301 Pleasant Valley Blvd, Altoona, PA 16602A+5.0 ★Texas Ratio: 2.61%, Ussco Federal Credit UnionUssco Federal Credit Union2613 Ligonier St, Latrobe, PA 15650A+5.0 ★Texas Ratio: 1.56%, and Hometown Bank of PennsylvaniaHometown Bank of Pennsylvania4327 Quaker Valley Road, Alum Bank, PA 15521. 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 St. Michael, Pennsylvania in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Michael 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 St. Michael, Pennsylvania
Market share is the lender's share of all home loans closed in St. Michael, 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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2600 Plank Road Cmns, Altoona, PA 16601 A+5.0 ★Texas Ratio: 3.83% |
Conventional | 18 | 20% | 81.8% | $149,444 | View |
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2724 Harts Run Rd, Allison Park, PA 15101 A5.0 ★Texas Ratio: 10.25% |
Conventional, FHA, HELOC | 11 +7 HELOCs |
12.2% | 92.3% | $147,727 | View |
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2719 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 8 +2 HELOCs |
8.9% | 80% | $108,750 | View |
Slovenian Savings & Loan Association of Franklin-Conemaugh
361 1st St, Conemaugh, PA 15909 |
Conventional | 6 | 6.7% | 85.7% | $161,666 | |
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8796 Lincoln Hwy, Bedford, PA 15522 A5.0 ★Texas Ratio: 12.17% |
Conventional | 5 | 5.6% | 100% | $37,000 | View |
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194 Donald Ln Ste 4, Johnstown, PA 15904 2840 A+5.0 ★Texas Ratio: 0.23% |
Conventional | 3 | 3.3% | 100% | $81,666 | View |
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113 Research Dr, Bethlehem, PA 18015 4731 A+5.0 ★Texas Ratio: 4.23% |
Conventional, HELOC | 1 +2 HELOCs |
1.1% | 100% | $135,000 | View |
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3301 Pleasant Valley Blvd, Altoona, PA 16602 A+5.0 ★Texas Ratio: 2.61% |
Conventional | 1 | 1.1% | 100% | $45,000 | View |
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2613 Ligonier St, Latrobe, PA 15650 A+5.0 ★Texas Ratio: 1.56% |
Conventional | 1 | 1.1% | 33.3% | $15,000 | View |
Hometown Bank of Pennsylvania
4327 Quaker Valley Road, Alum Bank, PA 15521 |
Conventional | 1 | 1.1% | 100% | $105,000 | |
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413 S Logan Blvd, Altoona, PA 16602 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 1.1% | 100% | $165,000 | View |
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★ 1.7 stars, 3 reviews 2676 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 1.1% | 50% | $165,000 | View |
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1100 Logan Blvd, Altoona, PA 16602 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Primelending
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Conventional, FHA, VA | 13 | 14.4% | 92.9% | $170,384 | |
Rocket Mortgage
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Conventional, FHA | 9 | 10% | 81.8% | $127,222 | |
Mortgage Research Center
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Conventional, VA | 3 | 3.3% | 100% | $191,666 | |
Equity Resources Inc
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FHA | 1 | 1.1% | 100% | $115,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.1% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 3.02% |
FHA | 1 | 1.1% | 100% | $245,000 | View |
Union Home Mortgage Corp.
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VA | 1 | 1.1% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 0.91% |
Conventional | 1 | 1.1% | 100% | $155,000 | View |
New Day Financial, LLC.
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VA | 1 | 1.1% | 100% | $455,000 | |
Radius Financial Group Inc
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Conventional | 1 | 1.1% | 100% | $195,000 | |
New American Funding, LLC.
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FHA | 1 | 1.1% | 50% | $195,000 | |
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D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Figure Lending 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 |
St. Michael 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 St. Michael, Pennsylvania
Looking for mortgage lenders near me or mortgage brokers near me in St. Michael? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Michael in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Michael, PA
Use these to narrow the list above. Each category shows how many St. Michael, PA lenders fit and what that kind of lender is usually best for.
Who Lends in St. Michael, PA
Independent mortgage companies closed 22.2 percent of home loans in St. Michael, Pennsylvania in 2025, banks 72.2 percent and credit unions 5.6 percent. Rocket Mortgage was the largest mortgage company, 1St Summit Bank the largest bank and C-B-W Schools Federal Credit Union the largest credit union. Among lenders headquartered in Pennsylvania, 1St Summit Bank led with 18 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 St. Michael, PA
By home loans closed in 2025, 1St Summit Bank was the largest mortgage lender in St. Michael, Pennsylvania with 18 loans, about 20 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in St. Michael, Pennsylvania in 2025, led by Primelending with 5. 4 lenders closed VA loans, led by Mortgage Research Center. 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. 13 banks and 3 credit unions closed home loans in St. Michael, Pennsylvania in 2025, alongside 11 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 St. Michael, 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 St. Michael, 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 St. Michael. 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.
