Mortgage Lenders and Brokers in Waynesboro, 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
Waynesboro, Pennsylvania mortgage lenders include Middletown Valley BankMiddletown Valley Bank11337 Buchanan Trl E, Waynesboro, PA 17268A+5.0 ★Texas Ratio: 1.21%, M&T BankM&T Bank1501 E Main St, Waynesboro, PA 17268A+5.0 ★Texas Ratio: 4.11%, Truist BankTruist Bank12875 Washington Township Blvd, Waynesboro, PA 17268A+5.0 ★Texas Ratio: 2.87%, Patriot FCUPatriot FCU10933 Buchanan Trl E, Waynesboro, PA 17268A+5.0 ★Texas Ratio: 1.50%, Members 1St FCUMembers 1St FCU5605 Hamilton Blvd, Allentown, PA 18106 9720A+5.0 ★Texas Ratio: 3.79%, Orrstown BankOrrstown Bank2510 Delta Rd, Brogue, PA 17309A+5.0 ★Texas Ratio: 4.11%, First Heritage Financial LLCFirst Heritage Financial LLC1550 S Main St Ste 1, Mansfield, PA 16933 9586A+5.0 ★Texas Ratio: 2.80%, Acnb BankAcnb Bank3425 Biglerville Rd, Biglerville, PA 17307A+5.0 ★Texas Ratio: 2.55%, PNC Bank N.A.PNC Bank N.A.2676 Brodhead Rd, Aliquippa, PA 15001A+5.0 ★Texas Ratio: 4.24%, and Farmers and Merchants Trust Company of ChambersburgFarmers and Merchants Trust Company of Chambersburg200 E Main St, Waynesboro, PA 17268. 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 Waynesboro, Pennsylvania in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waynesboro 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 Waynesboro, Pennsylvania
Market share is the lender's share of all home loans closed in Waynesboro, 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 Waynesboro 11337 Buchanan Trl E, Waynesboro, PA 17268 A+5.0 ★Texas Ratio: 1.21% |
Conventional | 6 | 3.1% | 100% | $226,666 | View |
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2 offices in Waynesboro 1501 E Main St, Waynesboro, PA 17268 A+5.0 ★Texas Ratio: 4.11% |
FHA, HELOC | 1 +15 HELOCs |
0.5% | 50% | $225,000 | View |
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★ 1 stars, 1 review 1 office in Waynesboro 12875 Washington Township Blvd, Waynesboro, PA 17268 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +5 HELOCs |
0.5% | 50% | $125,000 | View |
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10933 Buchanan Trl E, Waynesboro, PA 17268 A+5.0 ★Texas Ratio: 1.50% |
Conventional, HELOC | 7 +18 HELOCs |
3.7% | 72.7% | $46,428 | View |
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5605 Hamilton Blvd, Allentown, PA 18106 9720 A+5.0 ★Texas Ratio: 3.79% |
Conventional, HELOC | 3 +2 HELOCs |
1.6% | 75% | $111,666 | View |
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2510 Delta Rd, Brogue, PA 17309 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $225,000 | View |
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1550 S Main St Ste 1, Mansfield, PA 16933 9586 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA | 2 | 1% | 100% | $145,000 | |
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3425 Biglerville Rd, Biglerville, PA 17307 A+5.0 ★Texas Ratio: 2.55% |
Conventional | 2 | 1% | 100% | $235,000 | View |
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★ 1.7 stars, 3 reviews 2676 Brodhead Rd, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +4 HELOCs |
0.5% | 100% | $215,000 | View |
Farmers and Merchants Trust Company of Chambersburg
200 E Main St, Waynesboro, PA 17268 |
FHA, HELOC | 1 +3 HELOCs |
0.5% | 100% | $245,000 | |
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113 Research Dr, Bethlehem, PA 18015 4731 A+5.0 ★Texas Ratio: 4.23% |
Conventional, HELOC | 1 +2 HELOCs |
0.5% | 100% | $15,000 | View |
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1301 Skippack Pike, Blue Bell, PA 19422 C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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1156 Kennebec Dr, Chambersburg, PA 17201 A+5.0 ★Texas Ratio: 0.97% |
Conventional | 1 | 0.5% | 50% | $45,000 | View |
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1500 Market St, Philadelphia, PA 19102 A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
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3300 Lehigh St, Allentown, PA 18103 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Newrez LLC
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Conventional | 2 | 1% | 50% | $230,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $55,000 | |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Foote Capital Mortgage Company
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Conventional | 1 | 0.5% | 100% | $255,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 19 +1 HELOCs |
9.9% | 67.9% | $312,894 | |
| Conventional, FHA, USDA | 15 | 7.9% | 100% | $161,000 | View | |
New American Funding, LLC.
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Conventional, FHA, VA | 15 | 7.9% | 100% | $197,000 | |
Integrity Home Mortgage Corporation
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Conventional, FHA | 12 | 6.3% | 100% | $198,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 8 +1 HELOCs |
4.2% | 100% | $215,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 8 | 4.2% | 100% | $118,750 | |
Rocket Mortgage
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Conventional | 7 | 3.7% | 77.8% | $183,571 | |
Mortgage Research Center
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Conventional, VA | 6 | 3.1% | 75% | $311,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +2 HELOCs |
2.1% | 80% | $167,500 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 4 | 2.1% | 100% | $132,500 | |
Direct Mortgage Loans, LLC
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Conventional, FHA, USDA | 4 | 2.1% | 100% | $220,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 4 | 2.1% | 100% | $177,500 | |
Embrace Home Loans, Inc.
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Conventional, FHA | 3 | 1.6% | 100% | $168,333 | |
Radius Financial Group Inc
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Conventional, USDA | 3 | 1.6% | 100% | $181,666 | |
TowneBank
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Conventional | 3 | 1.6% | 100% | $235,000 | |
Movement Mortgage, LLC
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Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $235,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 1% | 100% | $215,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional, USDA | 2 | 1% | 100% | $230,000 | View |
Millennium Financial Group Inc dba Mlend
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Conventional, FHA | 2 | 1% | 100% | $185,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 1% | 50% | $65,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 2 | 1% | 100% | $305,000 | View |
Cmg Mortgage Inc
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Conventional, FHA | 2 | 1% | 100% | $145,000 | |
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A5.0 ★Texas Ratio: 9.77% |
VA | 2 | 1% | 100% | $290,000 | View |
Absolute Home Mortgage
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Conventional, USDA | 2 | 1% | 100% | $190,000 | |
Fairway Independent Mort Corp
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FHA | 2 | 1% | 100% | $225,000 | |
Corning Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $165,000 | |
Originpoint, LLC
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Conventional | 1 | 0.5% | 100% | $175,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.5% | 100% | $265,000 | |
United Wholesale Mortgage
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FHA | 1 | 0.5% | 100% | $135,000 | |
Primelending
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Conventional | 1 | 0.5% | 100% | $245,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.5% | 100% | $185,000 | |
Kind Lending, LLC
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USDA | 1 | 0.5% | 100% | $295,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.5% | 100% | $285,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 50% | $55,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.5% | 100% | $235,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.5% | 100% | $225,000 | |
Nfm, Inc
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FHA | 1 | 0.5% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.5% | 100% | $195,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 0.74% |
Conventional | 1 | 0.5% | 100% | $135,000 | View |
Bay Capital Mortgage Corporation
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VA | 1 | 0.5% | 100% | $325,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $225,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $115,000 | |
21St Mortgage
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Conventional | 1 | 0.5% | 25% | $55,000 | |
Village Capital & Investment
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VA | 1 | 0.5% | 100% | $205,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
State Employees Credit Union of MD
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Waynesboro 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 Waynesboro, Pennsylvania
Looking for mortgage lenders near me or mortgage brokers near me in Waynesboro? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waynesboro in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waynesboro, PA
Use these to narrow the list above. Each category shows how many Waynesboro, PA lenders fit and what that kind of lender is usually best for.
Who Lends in Waynesboro, PA
Independent mortgage companies closed 77.5 percent of home loans in Waynesboro, Pennsylvania in 2025, banks 13.6 percent and credit unions 8.9 percent. Newrez LLC was the largest mortgage company, Middletown Valley Bank the largest bank and Patriot FCU the largest credit union. Among lenders headquartered in Pennsylvania, Patriot FCU 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 Waynesboro, PA
By home loans closed in 2025, Middletown Valley Bank was the largest mortgage lender in Waynesboro, Pennsylvania with 6 loans, about 3.1 percent of the market. The largest lender headquartered in Pennsylvania was Patriot FCU with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in Waynesboro, Pennsylvania in 2025, led by loanDepot.com LLC with 10. 10 lenders closed VA loans, led by loanDepot.com LLC, and 6 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. 18 banks and 7 credit unions closed home loans in Waynesboro, Pennsylvania in 2025, alongside 43 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 Waynesboro, 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 Waynesboro, 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 Waynesboro. 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.
