Conventional Loans are available to borrowers across Pennsylvania through licensed lenders and brokers. Eligibility, documentation and terms vary by borrower, property and investor, so the right fit depends on your situation.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Pennsylvania's state housing finance agency is Pennsylvania Housing Finance Agency (PHFA). Its homebuyer programs include HFA Preferred (Lo MI), Keystone Home Loan Program, Keystone Government Loan Program. These programs work through participating lenders and have their own eligibility rules. See our Pennsylvania first-time buyer programs guide.
Where conventional loans activity is highest in Pennsylvania
| County | loans originated (2024 HMDA) |
|---|---|
| Allegheny County | 19,155 |
| Philadelphia County | 15,497 |
| Montgomery County | 15,310 |
| Bucks County | 11,000 |
| Chester County | 10,310 |
| Delaware County | 8,744 |
| Lancaster County | 8,742 |
| York County | 8,585 |
| Berks County | 6,758 |
| Lehigh County | 5,776 |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
- Reviewed by a licensed loan officer
- No obligation to proceed
Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Find a lender near you in Pennsylvania
- Mortgage lenders in Philadelphia
- Mortgage lenders in Pittsburgh
- Mortgage lenders in Allentown
- Mortgage lenders in Harrisburg
- Mortgage lenders in Lancaster
- Mortgage lenders in Scranton
- Mortgage lenders in Reading
- Mortgage lenders in York
- Mortgage lenders in Erie
- Mortgage lenders in Pottstown
- Mortgage lenders in State College
- Mortgage lenders in Lebanon
- Mortgage lenders in Bethlehem
- Mortgage lenders in Altoona
- Mortgage lenders in Hanover
- Mortgage lenders in Johnstown
- Mortgage lenders in Monessen
- Mortgage lenders in East Stroudsburg
- Mortgage lenders in Hazleton
- Mortgage lenders in Williamsport
- Mortgage lenders in Chambersburg
- Mortgage lenders in Levittown
- Mortgage lenders in Bloomsburg
- Mortgage lenders in Uniontown
- Mortgage lenders in Wilkes-Barre
- Mortgage lenders in Pottsville
- Mortgage lenders in New Castle
- Mortgage lenders in Butler
- Mortgage lenders in Norristown
- Mortgage lenders in Chester
Related guides
- Conventional vs. FHA Loans: Which May Fit You?
- How Mortgage Preapproval Works
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in Pennsylvania
Conventional Loans overview · Pennsylvania mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025