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Mortgage Brokers · Bethlehem, PA/Updated June 13, 2026

The 10 Best Mortgage Brokers in Bethlehem, PA

Bethlehem's mortgage market is growing, with competitive options for homebuyers. Our rankings highlight the best local brokers.

Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceBrandon Matyas at CrossCountry Mortgage
96Score
Latest update · June 13, 2026: Initial ranking published. 10 Bethlehem-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.

In Bethlehem, the mortgage market is characterized by a mix of established brokers and newer entrants, all vying for your attention. With 10 providers evaluated, this competitive landscape offers a range of options, but many businesses still have under 50 reviews, indicating that trust is still forming.

We built this list based on a thorough evaluation of each broker's ratings, review counts, and overall customer satisfaction. Our rankings reflect real experiences from local residents, ensuring you have the best information at your fingertips.

10mortgage brokers evaluated in Bethlehem
4.92average rating across the field
309customer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does mortgage brokers cost in Bethlehem? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

Brandon Matyas at CrossCountry Mortgage

★★★★★5.0(76 reviews)

With a perfect 5-star rating from 76 reviews, Brandon Matyas at CrossCountry Mortgage is highly praised for his personalized service and quick turnaround times.

Read full review
Best Value
95Score

Guild Mortgage - Elizabeth Hunt

★★★★★5.0(35 reviews)

Elizabeth Hunt at Guild Mortgage also holds a 5-star rating from 35 reviews, with clients praising her for competitive rates and clear communication.

Read full review
Most Reviewed
94Score

Christopher Lewis at CrossCountry Mortgage

★★★★★5.0(28 reviews)

Christopher Lewis at CrossCountry Mortgage has a commendable 5-star rating from 28 reviews.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
76First-time homebuyers seeking guidance
2
95Score
5.0★★★★★
35Cost-conscious borrowers
3
94Score
5.0★★★★★
28Savvy shoppers looking for competitive rates
4
82Score
4.6★★★★★
101Borrowers with unique financial needs
5
81Score
5.0★★★★★
16First-time homebuyers needing guidance
6
80Score
4.7★★★★★
31Clients seeking fast approvals
7
79Score
5.0★★★★★
10Clients seeking personalized service
8
78Score
4.9★★★★★
9Clients looking for competitive rates
9
78Score
5.0★★★★★
2Clients seeking a responsive broker
10
78Score
5.0★★★★★
1Clients willing to take a chance on a new provider
Methodology

How we evaluated all 10 mortgage brokers.

To determine our rankings, we assessed each mortgage broker in Bethlehem by analyzing their Vetted Scores, customer reviews, and the overall service quality. We believe in transparency, so no broker paid for placement on this list.

Our data is refreshed monthly to capture the latest feedback and ensure the rankings remain relevant. This approach guarantees that you are looking at the most accurate and up-to-date information available.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

Brandon Matyas at CrossCountry Mortgage

★★★★★5.0(76 reviews)
96Score

With a perfect 5-star rating from 76 reviews, Brandon Matyas at CrossCountry Mortgage is highly praised for his personalized service and quick turnaround times. Clients appreciate his thorough explanations of the mortgage process, making it easier to understand. However, the high demand may lead to longer wait times for initial consultations.

Pros

  • Personalized service
  • Quick turnaround
  • Thorough explanations

Cons

  • High demand may lead to wait times
Best forFirst-time homebuyers seeking guidance
Service areaBethlehem, PA
Typical pricing$300 to $800 in fees
2
Best Value

Guild Mortgage - Elizabeth Hunt

★★★★★5.0(35 reviews)
95Score

Elizabeth Hunt at Guild Mortgage also holds a 5-star rating from 35 reviews, with clients praising her for competitive rates and clear communication. She is known for providing valuable insights into loan options, making her a great choice for those looking to save money. Still, her review count is lower than some competitors, which may raise concerns for some.

Pros

  • Competitive rates
  • Clear communication
  • Valuable insights

Cons

  • Lower review count than some
Best forCost-conscious borrowers
Service areaBethlehem, PA
Typical pricing$250 to $700 in fees
3
Most Reviewed

Christopher Lewis at CrossCountry Mortgage

★★★★★5.0(28 reviews)
94Score

Christopher Lewis at CrossCountry Mortgage has a commendable 5-star rating from 28 reviews. Clients appreciate his hands-on approach and responsiveness throughout the mortgage process. He is particularly well-regarded for helping clients secure favorable rates. However, as a newer broker, his experience level may not match that of others with longer track records.

Pros

  • Hands-on approach
  • Responsive communication
  • Secures favorable rates

Cons

  • Less experience than some competitors
Best forSavvy shoppers looking for competitive rates
Service areaBethlehem, PA
Typical pricing$300 to $800 in fees
4

Finance of America Mortgage LLC

★★★★★4.6(101 reviews)
82Score

Finance of America Mortgage LLC has a solid 4.6-star rating from 101 reviews. Clients often commend their diverse loan options and knowledgeable staff. They are well-regarded for their ability to accommodate various financial situations. However, some reviews mention occasional delays in processing times, which might be a concern for those in a hurry.

Pros

  • Diverse loan options
  • Knowledgeable staff
  • Accommodates various financial situations

Cons

  • Occasional processing delays
Best forBorrowers with unique financial needs
Service areaBethlehem, PA
Typical pricing$300 to $700 in fees
5

Sandra Wyland at CrossCountry Mortgage

★★★★★5.0(16 reviews)
81Score

Sandra Wyland at CrossCountry Mortgage holds a 5-star rating from 16 reviews, with clients highlighting her friendly demeanor and willingness to answer questions. She excels in first-time homebuyer education and is dedicated to walking clients through every step. However, her lower number of reviews may indicate a less established reputation.

Pros

  • Friendly demeanor
  • Great for first-time homebuyers
  • Willingness to answer questions

Cons

  • Lower number of reviews
Best forFirst-time homebuyers needing guidance
Service areaBethlehem, PA
Typical pricing$300 to $800 in fees
6

Planet Home Lending, LLC - Lehigh Valley

★★★★★4.7(31 reviews)
80Score

Planet Home Lending, LLC has a 4.7-star rating from 31 reviews. Clients appreciate their straightforward approach and helpful customer service. They are known for quick approvals and a variety of loan products. However, some clients report limited communication during the process, which may leave you wanting more updates. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is clients seeking fast approvals. It serves Bethlehem, PA, with $250 to $700 in fees pricing, and the honest trade-offs are limited communication during the process.

Pros

  • Straightforward approach
  • Helpful customer service
  • Quick approvals

Cons

  • Limited communication during the process
Best forClients seeking fast approvals
Service areaBethlehem, PA
Typical pricing$250 to $700 in fees
7

Deborah George at CrossCountry Mortgage

★★★★★5.0(10 reviews)
79Score

Deborah George at CrossCountry Mortgage has a 5-star rating from 10 reviews. Clients often highlight her attentive service and willingness to provide detailed information. She is a good choice for those who appreciate a personalized touch. However, with a smaller review base, her reputation may not yet be fully established.

Pros

  • Attentive service
  • Detailed information
  • Personalized touch

Cons

  • Smaller review base
Best forClients seeking personalized service
Service areaBethlehem, PA
Typical pricing$300 to $800 in fees
8

Guild Mortgage Company

★★★★★4.9(9 reviews)
78Score

Guild Mortgage Company has a 4.9-star rating from 9 reviews. Clients appreciate their competitive rates and knowledgeable staff. They are particularly good at helping clients with various loan types. However, the limited number of reviews may make some potential clients hesitant to choose them. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is clients looking for competitive rates. It serves Bethlehem, PA, with $250 to $700 in fees pricing, and the honest trade-offs are limited number of reviews.

Pros

  • Competitive rates
  • Knowledgeable staff
  • Good with various loan types

Cons

  • Limited number of reviews
Best forClients looking for competitive rates
Service areaBethlehem, PA
Typical pricing$250 to $700 in fees
9

Chris Leeck - NEXA Mortgage Bethlehem

★★★★★5.0(2 reviews)
78Score

Chris Leeck at NEXA Mortgage has a perfect 5-star rating from 2 reviews. Clients commend his responsiveness and willingness to go the extra mile. While he shows promise, the very limited review base means you should approach with caution until more feedback accumulates. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is clients seeking a responsive broker. It serves Bethlehem, PA, with $300 to $800 in fees pricing, and the honest trade-offs are very limited review base.

Pros

  • Responsive
  • Willing to go the extra mile

Cons

  • Very limited review base
Best forClients seeking a responsive broker
Service areaBethlehem, PA
Typical pricing$300 to $800 in fees
10

Elitemortgage.group

★★★★★5.0(1 reviews)
78Score

Elitemortgage.group has a perfect 5-star rating from just 1 review. While the review is glowing, the lack of additional feedback makes it hard to gauge their consistency. If you are considering them, be sure to ask around for more information or experiences from other clients. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is clients willing to take a chance on a new provider. It serves Bethlehem, PA, with $300 to $800 in fees pricing, and the honest trade-offs are only one review makes it hard to judge.

Pros

  • Positive first review

Cons

  • Only one review makes it hard to judge
Best forClients willing to take a chance on a new provider
Service areaBethlehem, PA
Typical pricing$300 to $800 in fees
Before you book

How to choose a mortgage broker in Bethlehem

Selecting the right mortgage broker can significantly impact your home buying experience. Here are key factors to consider when making your choice in Bethlehem.

Service Area Coverage

Check if the broker operates in your desired neighborhoods and understands local market conditions.

Response Time

Look for brokers who are prompt in their communications, as timely responses can make a difference in a competitive market.

State Licensing and Credentials

Ensure the broker is licensed in Pennsylvania and has the necessary qualifications to assist you with your mortgage needs.

What it costs

What mortgage brokers cost in Bethlehem

Understanding the cost structure of mortgage brokers is essential for budgeting your home purchase. Here’s what you can expect in Bethlehem.

Application FeesMost brokers charge an application fee ranging from $300 to $600, which covers initial processing.
Origination FeesOrigination fees typically range from 0.5% to 1% of the loan amount, depending on the broker and loan type.
Closing CostsExpect closing costs to vary widely, usually between $2,000 and $5,000, depending on the property and loan specifics.
Monthly Payment VariabilityMonthly mortgage payments will differ based on the loan amount, interest rate, and term, typically between $1,200 and $2,500 in Bethlehem.

Frequently asked questions

How much does a mortgage cost in Bethlehem?

Mortgage rates in Bethlehem vary based on several factors, but you can expect typical rates to range from 3% to 5% depending on your credit and loan type.

What should I consider when choosing a mortgage broker in Bethlehem?

Look for a broker with a strong rating and a solid number of reviews. Since the market is still forming here, consider those with proven track records, like Brandon Matyas at CrossCountry Mortgage or Guild Mortgage - Elizabeth Hunt.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most Bethlehem homebuyers: <strong>Brandon Matyas at CrossCountry Mortgage</strong>

If you are a first-time homebuyer or looking for personalized guidance, Brandon Matyas at CrossCountry Mortgage is your best bet. His 5-star rating on 76 reviews reflects his dedication to clients. For those seeking a reliable option with a solid reputation, Guild Mortgage - Elizabeth Hunt is an excellent choice, especially for buyers wanting a responsive experience. If you prefer a broker with a strong historical presence and experience, then look at Christopher Lewis at CrossCountry Mortgage, who also holds a 5-star rating on 28 reviews.