The Lenders Community Survey gathers homeowners feedback and 89 lenders recommendations for home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 7, 2025
<< Human Powered Recommendations >>
Pennsylvania Top Lenders for Home Refinance Loans
Philadelphia, Pittsburgh, Allentown, Reading, Erie, Upper Darby, Scranton, Bethlehem, Lencaster, Harrisburg, Online lenders.
Recommendations are gathered from 1,290 local members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Pennsylvania Homeowners:
Home Refinance Mortgage
Home Refinance Loan Calculator
Home Equity Loan & HELOC
Home Equity Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Pennsylvania Homeowners.
Philadelphia – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Philadelphia’s area are Meridian Bank, CrossCountry Mortgage and Pennsylvania State CU.
| Lenders |
Type |
Easy Application |
Loan Terms & Rate Satisfaction |
Support and Guidance |
Recommend |
| Meridian Bank |
Community Bank |
4.5 |
4.5 |
5.0 |
92% |
| CrossCountry Mortgage |
Bank |
4.0 |
4.5 |
4.5 |
89% |
| Pennsylvania State CU |
Credit Union |
4.0 |
4.0 |
4.5 |
87% |
| Citizens Bank NA |
Bank |
4.0 |
4.0 |
4.0 |
85% |
| WSFS Bank |
Bank |
4.0 |
4.0 |
4.0 |
84% |
| Dollar Bank |
Community Bank |
3.5 |
4.0 |
4.0 |
83% |
| PNC Bank |
Bank |
3.5 |
4.0 |
4.0 |
82% |
| First Commonwealth Bank |
Community Bank |
4.0 |
3.5 |
4.0 |
81% |
| First National Bank |
Community Bank |
4.0 |
3.5 |
4.0 |
80% |
| Fulton Bank |
Bank |
3.5 |
4.0 |
3.5 |
79% |
Pittsburgh – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Pittsburgh’s area are CrossCountry Mortgage, Meridian Bank and Citizens Bank.
| Lenders |
Type |
Easy Application |
Loan Terms & Rate Satisfaction |
Support and Guidance |
Recommend |
| CrossCountry Mortgage |
Bank |
4.5 |
4.5 |
5.0 |
93% |
| Meridian Bank |
Community Bank |
4.5 |
4.5 |
4.5 |
91% |
| Citizens Bank |
Bank |
4.0 |
4.0 |
4.5 |
88% |
| Huntington Bank |
Bank |
4.0 |
4.0 |
4.0 |
85% |
| PNC Bank |
Bank |
3.5 |
4.0 |
4.0 |
83% |
| First National Bank |
Community Bank |
4.0 |
3.5 |
4.0 |
81% |
| Dollar Bank |
Community Bank |
3.5 |
4.0 |
3.5 |
80% |
| First Commonwealth Bank |
Community Bank |
3.5 |
3.5 |
4.0 |
78% |
| WSFS Bank |
Bank |
3.5 |
3.5 |
3.5 |
76% |
| FourLeaf Federal Credit Union |
Credit Union |
3.0 |
3.5 |
3.5 |
74% |
Allentown – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Allentown’s area are CrossCountry Mortgage, Meridian Bank and Truist Mortgage.
| Lenders |
Type |
Easy Application |
Loan Terms & Rate Satisfaction |
Support and Guidance |
Recommend |
| CrossCountry Mortgage |
Bank |
4.5 |
4.5 |
5.0 |
94% |
| Meridian Bank |
Community Bank |
4.5 |
4.5 |
4.5 |
91% |
| Truist Mortgage |
Bank |
4.0 |
4.0 |
4.5 |
88% |
| Traditional Mortgage |
Community Bank |
4.0 |
4.0 |
4.0 |
86% |
| Fairway Independent Mortgage Corporation |
Bank |
4.0 |
3.5 |
4.0 |
83% |
| AnnieMac |
Bank |
3.5 |
4.0 |
4.0 |
82% |
| Movement Mortgage |
Bank |
3.5 |
3.5 |
4.0 |
80% |
| Consumer Trust |
Community Bank |
3.5 |
3.5 |
3.5 |
78% |
| Allentown Mortgage Corporation |
Community Bank |
3.0 |
3.5 |
3.5 |
76% |
| Abacus Regional Mortgage |
Bank |
3.0 |
3.5 |
3.0 |
74% |
Reading – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Reading’s area are CrossCountry Mortgage, Meridian Bank and Truist Mortgage.
| Lenders |
Type |
Easy Application |
Loan Terms & Rate Satisfaction |
Support and Guidance |
Recommend |
| CrossCountry Mortgage |
Bank |
4.5 |
4.5 |
5.0 |
94% |
| Meridian Bank |
Community Bank |
4.5 |
4.5 |
4.5 |
91% |
| Truist Mortgage |
Bank |
4.0 |
4.0 |
4.5 |
88% |
| Traditional Mortgage |
Community Bank |
4.0 |
4.0 |
4.0 |
86% |
| Fairway Independent Mortgage Corporation |
Bank |
4.0 |
3.5 |
4.0 |
83% |
| AnnieMac |
Bank |
3.5 |
4.0 |
4.0 |
82% |
| Movement Mortgage |
Bank |
3.5 |
3.5 |
4.0 |
80% |
Erie – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Erie’s area are Erie Federal Credit Union, Meridian Bank and Northwest Bank.
| Lenders |
Type |
Easy Application |
Loan Terms & Rate Satisfaction |
Support and Guidance |
Recommend |
| Erie Federal Credit Union |
Credit Union |
4.5 |
4.5 |
5.0 |
93% |
| Meridian Bank |
Community Bank |
4.5 |
4.5 |
4.5 |
91% |
| Northwest Bank |
Bank |
4.0 |
4.0 |
4.5 |
88% |
| Huntington Bank |
Bank |
4.0 |
4.0 |
4.0 |
85% |
| PNC Bank |
Bank |
3.5 |
4.0 |
4.0 |
83% |
| Citizens Bank |
Bank |
3.5 |
4.0 |
3.5 |
80% |
| KeyBank |
Bank |
3.5 |
3.5 |
4.0 |
78% |
Upper Darby – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Upper Darby’s area are ESSA Bank & Trust, Dollar Bank and Sun East Federal Credit Union.
| Lenders |
Type |
Easy Application |
Loan Terms & Rate Satisfaction |
Support and Guidance |
Recommend |
| ESSA Bank & Trust |
Community Bank |
4.5 |
4.5 |
5.0 |
93% |
| Dollar Bank |
Bank |
4.5 |
4.5 |
4.5 |
91% |
| Sun East Federal Credit Union |
Credit Union |
4.0 |
4.5 |
4.5 |
89% |
| Citizens Bank |
Bank |
4.0 |
4.0 |
4.0 |
85% |
| PNC Bank |
Bank |
3.5 |
4.0 |
4.0 |
83% |
| WSFS Bank |
Bank |
3.5 |
3.5 |
4.0 |
80% |
| Fulton Bank |
Bank |
3.5 |
3.5 |
3.5 |
78% |
Scranton – Home Mortgage Refinance Lenders
Scranton
MFP’s Community Lenders Survey most recommended refinance lenders in Scranton’s area are Meridian Bank, Fidelity Bank and Chase Bank.
| Lenders |
Type |
Easy Application |
Loan Terms & Rate Satisfaction |
Support and Guidance |
Recommend |
| Meridian Bank |
Community Bank |
4.5 |
4.5 |
5.0 |
93% |
| Fidelity Bank |
Bank |
4.0 |
4.5 |
4.5 |
90% |
| Chase Bank |
Bank |
4.0 |
4.0 |
4.5 |
88% |
| Artisan Mortgage Company |
Community Bank |
4.0 |
4.0 |
4.0 |
85% |
| Citizens Bank |
Bank |
3.5 |
4.0 |
4.0 |
83% |
| PNC Bank |
Bank |
3.5 |
3.5 |
4.0 |
80% |
| FourLeaf Federal Credit Union |
Credit Union |
3.5 |
3.5 |
3.5 |
78% |
Bethlehem – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Bethlehem’s area are CrossCountry Mortgage, Meridian Bank and Guild Mortgage (Bashir Kadi).
| Lenders |
Type |
Easy Application |
Loan Terms & Rate Satisfaction |
Support and Guidance |
Recommend |
| CrossCountry Mortgage |
Bank |
4.5 |
4.5 |
5.0 |
94% |
| Meridian Bank |
Community Bank |
4.5 |
4.5 |
4.5 |
91% |
| Guild Mortgage (Bashir Kadi) |
Bank |
4.0 |
4.5 |
4.5 |
89% |
| Planet Home Lending |
Bank |
4.0 |
4.0 |
4.5 |
87% |
| Supreme Lending |
Bank |
4.0 |
4.0 |
4.0 |
85% |
| Fulton Bank |
Bank |
3.5 |
4.0 |
4.0 |
83% |
| PNC Bank |
Bank |
3.5 |
3.5 |
4.0 |
80% |
Lancaster – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Bethlehem’s area are ESSA Bank & Trust, Meridian Bank and Citizens Bank.
| Lenders |
Type |
Easy Application |
Loan Terms & Rate Satisfaction |
Support and Guidance |
Recommend |
| ESSA Bank & Trust |
Community Bank |
4.5 |
4.5 |
5.0 |
94% |
| Meridian Bank |
Community Bank |
4.5 |
4.5 |
4.5 |
91% |
| Citizens Bank |
Bank |
4.0 |
4.0 |
4.5 |
88% |
| Fulton Bank |
Bank |
4.0 |
4.0 |
4.0 |
86% |
| PNC Bank |
Bank |
3.5 |
4.0 |
4.0 |
83% |
| First National Bank |
Community Bank |
3.5 |
4.0 |
3.5 |
80% |
| KeyBank |
Bank |
3.5 |
3.5 |
4.0 |
78% |
Harrisburg – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Harrisburg’s area are Members 1st Federal Credit Union, PSECU and Mid Penn Bank.
| Lenders |
Type |
Easy Application |
Loan Terms & Rate Satisfaction |
Support and Guidance |
Recommend |
| Members 1st Federal Credit Union |
Credit Union |
4.5 |
4.5 |
5.0 |
94% |
| PSECU |
Credit Union |
4.5 |
4.5 |
4.5 |
92% |
| Mid Penn Bank |
Community Bank |
4.0 |
4.5 |
4.5 |
89% |
| Citizens Bank |
Bank |
4.0 |
4.0 |
4.0 |
86% |
| Fulton Bank |
Bank |
3.5 |
4.0 |
4.0 |
83% |
| PNC Bank |
Bank |
3.5 |
3.5 |
4.0 |
80% |
| M&T Bank |
Bank |
3.5 |
3.5 |
3.5 |
78% |
Pennsylvania Online Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Pennsylvania are CrossCountry Mortgage, Newrez and loanDepot.
| Lenders |
Loan Amounts |
APR Range |
Loan Terms |
Easy Application |
Rate Satisfaction |
Support and Guidance |
Recommend (%) |
| Newrez |
Up to $5M |
2.5%-5.5% |
15-30 years |
4.5 |
4.5 |
4.0 |
92% |
| loanDepot |
Up to $3M |
2.75%-5.75% |
10-30 years |
5.0 |
4.5 |
4.5 |
90% |
| CrossCountry Mortgage |
Up to $4M |
2.5%-5.25% |
15-30 years |
4.5 |
4.5 |
5.0 |
94% |
| Citizens Bank |
Up to $2M |
3.0%-6.0% |
15-30 years |
4.0 |
4.0 |
4.0 |
85% |
| M&T Bank |
Up to $1.5M |
3.25%-6.25% |
15-30 years |
3.5 |
3.5 |
4.0 |
80% |
| Dollar Bank |
Up to $766,550 |
3.0%-5.5% |
15-30 years |
4.0 |
4.0 |
4.0 |
83% |
| PHFA |
Up to $500k |
2.75%-5.0% |
30 years |
3.5 |
4.5 |
3.5 |
82% |
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