Mortgage Lenders and Brokers in Watsontown, 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
Watsontown, Pennsylvania mortgage lenders include First National Bank of PAFirst National Bank of PA300 Main St, Watsontown, PA 17777A+5.0 ★Texas Ratio: 1.62%, Journey BankJourney Bank4880 State Route 44, Watsontown, PA 17777A+5.0 ★Texas Ratio: 4.57%, Citizens & Northern BankCitizens & Northern Bank1025 Main St, Watsontown, PA 17777A5.0 ★Texas Ratio: 10.85%, Mifflinburg Bank & TrustMifflinburg Bank & Trust1110 Fairground Rd, Lewisburg, PA 17837A+5.0 ★Texas Ratio: 5.92%, Pennsylvania State Employees Credit UnionPennsylvania State Employees Credit Union113 Research Dr, Bethlehem, PA 18015 4731A+5.0 ★Texas Ratio: 4.23%, PALCO Federal Credit UnionPALCO Federal Credit Union191 Chad Rd, Muncy, PA 17756 8146A+5.0 ★Texas Ratio: 0.66%, First Heritage Financial LLCFirst Heritage Financial LLC1550 S Main St Ste 1, Mansfield, PA 16933 9586A+5.0 ★Texas Ratio: 2.80%, First Commonwealth BankFirst Commonwealth Bank2724 Harts Run Rd, Allison Park, PA 15101A5.0 ★Texas Ratio: 10.25%, Mortgage America, Inc.Mortgage America, Inc.3300 Lehigh St, Allentown, PA 18103A+5.0 ★Texas Ratio: 4.14%, and Community Bank, N.A.Community Bank, N.A.1701 Chew St, Allentown, PA 18104A+5.0 ★Texas Ratio: 3.83%. 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 Watsontown, Pennsylvania in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Watsontown 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 Watsontown, Pennsylvania
Market share is the lender's share of all home loans closed in Watsontown, 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 Watsontown 300 Main St, Watsontown, PA 17777 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 7 +5 HELOCs |
9.3% | 53.8% | $122,142 | View |
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1 office in Watsontown 4880 State Route 44, Watsontown, PA 17777 A+5.0 ★Texas Ratio: 4.57% |
Conventional, HELOC | 3 +8 HELOCs |
4% | 100% | $221,666 | View |
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1 office in Watsontown 1025 Main St, Watsontown, PA 17777 A5.0 ★Texas Ratio: 10.85% |
Conventional, HELOC | 1 +2 HELOCs |
1.3% | 100% | $255,000 | View |
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1110 Fairground Rd, Lewisburg, PA 17837 A+5.0 ★Texas Ratio: 5.92% |
Conventional | 7 | 9.3% | 100% | $242,142 | View |
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113 Research Dr, Bethlehem, PA 18015 4731 A+5.0 ★Texas Ratio: 4.23% |
Conventional | 6 | 8% | 100% | $141,666 | View |
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191 Chad Rd, Muncy, PA 17756 8146 A+5.0 ★Texas Ratio: 0.66% |
Conventional | 2 | 2.7% | 100% | $70,000 | View |
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1550 S Main St Ste 1, Mansfield, PA 16933 9586 A+5.0 ★Texas Ratio: 2.80% |
FHA | 2 | 2.7% | 100% | $170,000 | |
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2724 Harts Run Rd, Allison Park, PA 15101 A5.0 ★Texas Ratio: 10.25% |
Conventional, HELOC | 1 +4 HELOCs |
1.3% | 50% | $55,000 | View |
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3300 Lehigh St, Allentown, PA 18103 A+5.0 ★Texas Ratio: 4.14% |
FHA | 1 | 1.3% | 100% | $295,000 | View |
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1701 Chew St, Allentown, PA 18104 A+5.0 ★Texas Ratio: 3.83% |
Conventional | 1 | 1.3% | 100% | $255,000 | View |
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413 S Logan Blvd, Altoona, PA 16602 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 1.3% | 50% | $175,000 | View |
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5605 Hamilton Blvd, Allentown, PA 18106 9720 A+5.0 ★Texas Ratio: 3.79% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7540 Windsor Drive Suite 203, Allentown, PA 18195 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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907 22nd St, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3500 Trindle Rd, Camp Hill, PA 17011 4439 A+5.0 ★Texas Ratio: 3.06% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Susquehanna Community Bank
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Conventional | 5 | 6.7% | 100% | $101,000 | |
Jersey Shore State Bank
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Conventional, HELOC | 2 +8 HELOCs |
2.7% | 100% | $215,000 | |
Service 1St Federal Credit Uni
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Conventional, HELOC | 2 +5 HELOCs |
2.7% | 100% | $80,000 | |
Allied Mortgage Group, Inc
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FHA, USDA, HELOC | 2 +1 HELOCs |
2.7% | 100% | $215,000 | |
Rocket Mortgage
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Conventional, FHA | 5 | 6.7% | 55.6% | $203,000 | |
Primelending
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Conventional, VA | 3 | 4% | 100% | $241,666 | |
Kind Lending, LLC
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Conventional, USDA | 3 | 4% | 75% | $285,000 | |
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A+5.0 ★Texas Ratio: 3.02% |
VA | 2 | 2.7% | 100% | $195,000 | View |
Triad Financial Services, Inc.
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Conventional | 2 | 2.7% | 100% | $70,000 | |
Waterstone Mortgage Corporation
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Conventional, FHA | 2 | 2.7% | 100% | $165,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 1.3% | 100% | $205,000 | |
United Wholesale Mortgage
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Conventional | 1 | 1.3% | 33.3% | $185,000 | |
American Financial Resources LLC
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USDA | 1 | 1.3% | 50% | $105,000 | |
Goodleap, LLC
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VA | 1 | 1.3% | 100% | $185,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.3% | 100% | $195,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 1.3% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 1.3% | 100% | $175,000 | View |
Mortgage Research Center
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VA | 1 | 1.3% | 50% | $305,000 | |
Member First Mortgage, LLC
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FHA | 1 | 1.3% | 100% | $225,000 | |
Radius Financial Group Inc
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VA | 1 | 1.3% | 100% | $285,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 1.3% | 100% | $115,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.3% | 100% | $45,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
VA | 1 | 1.3% | 50% | $145,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 1.3% | 100% | $25,000 | |
Reliance First Capital, LLC
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FHA | 1 | 1.3% | 100% | $95,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Watsontown 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 Watsontown, Pennsylvania
Looking for mortgage lenders near me or mortgage brokers near me in Watsontown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Watsontown in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Watsontown, PA
Use these to narrow the list above. Each category shows how many Watsontown, PA lenders fit and what that kind of lender is usually best for.
Who Lends in Watsontown, PA
Independent mortgage companies closed 37.3 percent of home loans in Watsontown, Pennsylvania in 2025, banks 48 percent and credit unions 14.7 percent. Mortgage America, Inc. was the largest mortgage company, First National Bank of PA the largest bank and Pennsylvania State Employees Credit Union the largest credit union. Among lenders headquartered in Pennsylvania, First National Bank of PA led with 7 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 Watsontown, PA
By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in Watsontown, Pennsylvania with 7 loans, about 9.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Watsontown, Pennsylvania in 2025, led by First Heritage Financial LLC with 2. 6 lenders closed VA loans, led by Freedom Mortgage Corporation, 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. 17 banks and 6 credit unions closed home loans in Watsontown, Pennsylvania in 2025, alongside 19 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 Watsontown, 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 Watsontown, 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 Watsontown. 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.
