Local Pros · Lancaster
Local Mortgage Brokers in Lancaster, PA
Locally owned and operated mortgage brokers serving Lancaster and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Lancaster, PA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Fidelis Mortgage Corporation with a 4.9-star rating from 338 Google reviews and an RNM Score of 87/100. Also in the top tier: HomeSale Mortgage, LLC and Fairway Independent Mortgage Corporation. The average rating across all listed mortgage brokers in Lancaster is 4.9 stars from 103 reviews per business on average.
Mortgage brokers in Lancaster: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Stephanie Erney NMLS #657377
Stephanie Erney is top-ranked due to her individualized attention and strong local reputation in Lancaster.
Most Reviewed
New American Funding - Lancaster, PA
A high review count indicates broad customer experience and trust, helping consumers gauge service consistency.
When choosing a mortgage broker in Lancaster, compare not only rates but also responsiveness and local market knowledge; consider reading recent reviews and asking for referrals.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
103
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Trusted Lancaster mortgage broker with a 4.9★ rating from 338 reviews.
1205 E King St, Lancaster, PA 17602, USALancaster mortgage broker with a 4.9-star rating from over 225 Google reviews.
131 Centerville Rd, Lancaster, PA 17603, USALancaster mortgage broker with a 4.9-star rating from over 200 customer reviews.
800 New Holland Pike Suite 301-302, Rear, 2nd, Lancaster, PA 17602, USAMortgage Brokers Rankings in Lancaster, PA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Fidelis Mortgage Corporation1205 E King St, Lancaster, PA 17602, USA | 4.9★ | 338 |
| #2 | HomeSale Mortgage, LLC131 Centerville Rd, Lancaster, PA 17603, USA | 4.9★ | 225 |
| #3 | Fairway Independent Mortgage Corporation800 New Holland Pike Suite 301-302, Rear, 2nd, Lancaster, PA 17602, USA | 4.9★ | 216 |
| #4 | Holly Lyle NMLS #657420 | Fairway Independent Mortgage Corporation Branch Sales Manager801 Estelle Dr First Floor, Lancaster, PA 17601, USA | 5.0★ | 65 |
| #5 | Mortgage Craft2819 Willow Street Pike N Suite F, Willow Street, PA 17584, USA | 5.0★ | 139 |
| #6 | Guild Mortgage Company1693 Crown Ave, Lancaster, PA 17601, USA | 4.4★ | 40 |
| #7 | Sierra Pacific Mortgage LANCASTER1368 Harrisburg Pike, Lancaster, PA 17601, USA | 5.0★ | 43 |
| #8 | Mark Pontz - NMLS #33151930 Red Rose Ct #200D, Lancaster, PA 17601, USA | 5.0★ | 133 |
| #9 | Prosper Mortgage Funding32c E Roseville Rd, Lancaster, PA 17601, USA | 5.0★ | 94 |
| #10 | Guild Mortgage - Melinda Trent1693 Crown Ave, Lancaster, PA 17601, USA | 5.0★ | 94 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Lancaster
Rated 5.0 stars from 65 Google reviews, this Lancaster mortgage broker is highly trusted.
801 Estelle Dr First Floor, Lancaster, PA 17601, USA
5.0 stars from 139 reviews, Lancaster's top-rated mortgage broker.
2819 Willow Street Pike N Suite F, Willow Street, PA 17584, USA
Lancaster mortgage broker with a solid 4.4-star rating from 40 Google reviews.
1693 Crown Ave, Lancaster, PA 17601, USA
Consistently earns a perfect 5.0-star rating from over 40 local Google reviews.
1368 Harrisburg Pike, Lancaster, PA 17601, USA
5.0-star rating from over 130 reviews highlights trusted local mortgage expertise.
930 Red Rose Ct #200D, Lancaster, PA 17601, USA
Proudly holding a perfect 5.0-star rating from nearly 100 local reviews.
32c E Roseville Rd, Lancaster, PA 17601, USA
Trusted by 94 clients, this Lancaster mortgage broker holds a perfect 5.0-star rating.
1693 Crown Ave, Lancaster, PA 17601, USA
4.9 stars from 134 reviews make this Lancaster mortgage broker a trusted choice.
160 N Pointe Blvd # 205, Lancaster, PA 17601, USA
Rated 5.0 stars from 79 Google reviews, this Lancaster mortgage broker is highly trusted.
1693 Crown Ave, Lancaster, PA 17601, USA
Trusted by 98 local clients, maintaining a stellar 4.9-star rating.
2452 Noll Dr, Lancaster, PA 17603, USA
Rated 5.0 stars from 16 glowing Google reviews, this Lancaster mortgage broker earns top marks.
1390 Harrisburg Pike Unit 1390, Lancaster, PA 17601, USA
Rated 5.0 from 172 Google reviews in Lancaster, PA.
150 N Pointe Blvd, Lancaster, PA 17601, USA
Rated 5.0 stars from 43 Google reviews, this Lancaster mortgage broker is highly trusted.
1693 Crown Ave, Lancaster, PA 17601, USA
5.0-star rating from 29 Google reviews for a Lancaster mortgage broker.
1693 Crown Ave, Lancaster, PA 17601, USA
5.0★ from 66 Google reviews, reflecting exceptional client satisfaction.
1693 Crown Ave, Lancaster, PA 17601, USA
Consistently earns a perfect 5.0-star rating from over two dozen reviews.
1693 Crown Ave, Lancaster, PA 17601, USA
Rated 4.9 stars from 11 Google reviews, providing trusted local mortgage guidance.
227 Granite Run Dr Suite 101, Lancaster, PA 17601, USA
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Mortgage Brokers in Lancaster, PA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Fidelis Mortgage Corporation | 87/100 | 4.9 ★ | 338 |
| 2 | HomeSale Mortgage, LLC | 86/100 | 4.9 ★ | 225 |
| 3 | Fairway Independent Mortgage Corporation | 86/100 | 4.9 ★ | 216 |
| 4 | Holly Lyle NMLS #657420 | Fairway Independent Mortgage Corporation Branch Sales Manager | 81/100 | 5.0 ★ | 65 |
| 5 | Mortgage Craft | 85/100 | 5.0 ★ | 139 |
| 6 | Guild Mortgage Company | 68/100 | 4.4 ★ | 40 |
| 7 | Sierra Pacific Mortgage LANCASTER | 79/100 | 5.0 ★ | 43 |
| 8 | Mark Pontz - NMLS #33151 | 85/100 | 5.0 ★ | 133 |
| 9 | Prosper Mortgage Funding | 83/100 | 5.0 ★ | 94 |
| 10 | Guild Mortgage - Melinda Trent | 83/100 | 5.0 ★ | 94 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Lancaster
What does a mortgage broker do differently than going directly to a bank in Lancaster?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Lancaster?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in PA?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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