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

The 10 Best Mortgage Brokers in Reading, PA

Choosing the right mortgage broker is critical in Reading, where trust is still forming in the market. Avoid costly mistakes by selecting wisely.

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

In Reading, navigating the mortgage process can be daunting, especially with a local market that is still establishing reliable providers. A poor choice here can lead to delays, miscommunication, and unexpected costs, making it essential to partner with a broker who understands the unique landscape of the area.

Our list focuses on the top mortgage brokers in Reading, evaluating their ratings, review counts, and overall customer satisfaction. We analyzed 10 providers, ensuring that no one pays for placement and refreshing our findings monthly to keep the information current.

10mortgage brokers evaluated in Reading
4.84average rating across the field
333customer reviews analyzed

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

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

Our top picks

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

Fidelis Mortgage Corporation

★★★★★5.0(147 reviews)

With a perfect 5-star rating from 147 reviews, Fidelis Mortgage Corporation is a standout in Reading.

Read full review
Best Value
95Score

Guthix Lending LLC

★★★★★5.0(65 reviews)

Guthix Lending LLC also holds a 5-star rating, backed by 65 reviews.

Read full review
Most Reviewed
93Score

Tidewater Mortgage Services, Inc.

★★★★★4.9(40 reviews)

Tidewater Mortgage Services, Inc.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
147First-time homebuyers
2
95Score
5.0★★★★★
65Cost-conscious borrowers
3
93Score
4.9★★★★★
40Quick closings
4
90Score
5.0★★★★★
18Guidance through the mortgage process
5
88Score
4.8★★★★★
23Straightforward mortgage process
6
85Score
5.0★★★★★
12First-time buyers needing guidance
7
83Score
5.0★★★★★
11Professional service
8
80Score
5.0★★★★★
3Personalized service
9
78Score
5.0★★★★★
3Clients needing explanations
10
78Score
3.7★★★★★
11Traditional banking clients
Methodology

How we evaluated all 10 mortgage brokers.

We assessed mortgage brokers in Reading based on their Vetted Scores, which consider customer reviews, responsiveness, and overall service quality. Each broker's rating and review count were taken into account to provide a clear picture of their performance in the local market.

To maintain transparency, our rankings reflect genuine customer feedback. Brokers do not pay for placement in our evaluations, ensuring that you receive an impartial overview of the best options 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

Fidelis Mortgage Corporation

★★★★★5.0(147 reviews)
96Score

With a perfect 5-star rating from 147 reviews, Fidelis Mortgage Corporation is a standout in Reading. Customers highlight their attentive service and quick responses, making them ideal for first-time homebuyers and those needing tailored mortgage solutions. However, the sheer volume of clientele may lead to longer wait times during peak periods.

Pros

  • Exceptional customer service
  • Fast response times
  • Tailored mortgage solutions

Cons

  • Potential wait times during busy periods
Best forFirst-time homebuyers
Service areaReading, PA
Typical pricing$1,000 to $3,000 in closing costs
2
Best Value

Guthix Lending LLC

★★★★★5.0(65 reviews)
95Score

Guthix Lending LLC also holds a 5-star rating, backed by 65 reviews. Reviewers commend their competitive rates and personalized service, making them a great choice for those seeking value without sacrificing quality. Some customers noted that communication could be improved at times, particularly during busy seasons. 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 cost-conscious borrowers. It serves Reading, PA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are occasional communication delays.

Pros

  • Competitive rates
  • Personalized service
  • Good communication

Cons

  • Occasional communication delays
Best forCost-conscious borrowers
Service areaReading, PA
Typical pricing$1,000 to $2,500 in closing costs
3
Most Reviewed

Tidewater Mortgage Services, Inc.

★★★★★4.9(40 reviews)
93Score

Tidewater Mortgage Services, Inc. has a strong 4.9-star rating from 40 reviews. Customers value their knowledgeable staff and efficient processes, making them suitable for those who prioritize speed and expertise. However, their limited review base means they are still building a reputation in the local market. 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 quick closings. It serves Reading, PA, with $1,200 to $2,800 in closing costs pricing, and the honest trade-offs are limited review base compared to competitors.

Pros

  • Knowledgeable staff
  • Efficient processes
  • Strong reputation

Cons

  • Limited review base compared to competitors
Best forQuick closings
Service areaReading, PA
Typical pricing$1,200 to $2,800 in closing costs
4
90Score

Nereida Ceballos-Miley at CrossCountry Mortgage has a perfect 5-star rating from 18 reviews. Clients appreciate her friendly demeanor and thorough explanations, making her a great choice for those needing guidance through the mortgage process. However, the small review count suggests that her reputation is still developing. 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 guidance through the mortgage process. It serves Reading, PA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are limited number of reviews.

Pros

  • Friendly service
  • Thorough explanations
  • Personalized assistance

Cons

  • Limited number of reviews
Best forGuidance through the mortgage process
Service areaReading, PA
Typical pricing$1,000 to $2,500 in closing costs
5

Keith Zielaskowski at Rate (NMLS #126951)

★★★★★4.8(23 reviews)
88Score

Keith Zielaskowski at Rate has a strong 4.8-star rating from 23 reviews. Clients value his responsiveness and clear communication, making him a good choice for those who want a straightforward process. However, the limited number of reviews indicates he is still establishing his presence in the market. 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 straightforward mortgage process. It serves Reading, PA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are still building a review base.

Pros

  • Responsive
  • Clear communication
  • Good customer rapport

Cons

  • Still building a review base
Best forStraightforward mortgage process
Service areaReading, PA
Typical pricing$1,000 to $2,500 in closing costs
6
85Score

Emily Nein at Mortgage America Inc. holds a perfect 5-star rating from 12 reviews. Clients appreciate her attentiveness and detailed explanations, making her a solid choice for first-time buyers. Still, the small review count makes her performance less certain compared to more established brokers. 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 first-time buyers needing guidance. It serves Reading, PA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are limited reviews.

Pros

  • Attentive service
  • Detailed explanations
  • Good for first-time buyers

Cons

  • Limited reviews
Best forFirst-time buyers needing guidance
Service areaReading, PA
Typical pricing$1,000 to $2,500 in closing costs
7

David Payonk at CrossCountry Mortgage

★★★★★5.0(11 reviews)
83Score

David Payonk at CrossCountry Mortgage has a perfect 5-star rating from 11 reviews. Clients commend his professionalism and helpfulness throughout the mortgage process. However, the limited number of reviews means potential clients might want to consider more established options first. 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 professional service. It serves Reading, PA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are small review base.

Pros

  • Professional demeanor
  • Helpful throughout the process
  • Positive client feedback

Cons

  • Small review base
Best forProfessional service
Service areaReading, PA
Typical pricing$1,000 to $2,500 in closing costs
8

Michael Miley at CrossCountry Mortgage

★★★★★5.0(3 reviews)
80Score

Michael Miley at CrossCountry Mortgage has a perfect 5-star rating from 3 reviews. Clients appreciate his friendly service and clear communication. However, the very limited review base makes it difficult to fully assess his capabilities as a mortgage broker. 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 personalized service. It serves Reading, PA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are very limited reviews.

Pros

  • Friendly service
  • Clear communication

Cons

  • Very limited reviews
Best forPersonalized service
Service areaReading, PA
Typical pricing$1,000 to $2,500 in closing costs
9

Mortgage America Inc - Darryl Steffey

★★★★★5.0(3 reviews)
78Score

Darryl Steffey at Mortgage America Inc. holds a perfect 5-star rating from 3 reviews. Clients commend his helpfulness and willingness to explain options. While promising, the limited number of reviews suggests that potential clients should consider more established brokers first. 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 needing explanations. It serves Reading, PA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are limited reviews.

Pros

  • Helpful
  • Willing to explain options

Cons

  • Limited reviews
Best forClients needing explanations
Service areaReading, PA
Typical pricing$1,000 to $2,500 in closing costs
10

Jonestown Bank & Trust Co. (JBT)

★★★★★3.7(11 reviews)
78Score

Jonestown Bank & Trust Co. (JBT) has a 3.7-star rating from 11 reviews. While some clients praise their traditional banking approach, others report slower service and less personalized attention compared to mortgage brokers. This makes them a less favorable option for those seeking a tailored experience. 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 traditional banking clients. It serves Reading, PA, with $1,000 to $2,500 in closing costs pricing, and the honest trade-offs are slower service and less personalized attention.

Pros

  • Traditional banking approach
  • Established presence

Cons

  • Slower service
  • Less personalized attention
Best forTraditional banking clients
Service areaReading, PA
Typical pricing$1,000 to $2,500 in closing costs
Before you book

How to choose a mortgage broker in Reading

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

Look for Experience

Choose brokers with a proven track record in Reading. Experience in the local market helps them navigate specific challenges and opportunities.

Check Reviews and Ratings

Focus on brokers with a solid number of reviews and high ratings. This reflects customer satisfaction and reliability.

Evaluate Communication Style

Assess how well brokers communicate. Clear and timely communication is essential for a smooth mortgage process.

What it costs

What mortgage brokers cost in Reading

The cost of hiring a mortgage broker can vary based on several factors, including the complexity of the loan and the broker's fee structure. Here’s what to expect.

Flat FeeSome brokers charge a flat fee ranging from $1,000 to $3,000 for their services, which can simplify budgeting.
Percentage of Loan AmountOthers may charge a percentage of the loan amount, typically around 1% to 2%, which can add up depending on the size of your mortgage.
Hourly RateAn hourly rate is another option, usually falling between $100 to $300 per hour, depending on the broker's experience.
No Upfront FeesSome brokers may not charge upfront fees, instead taking their commission from the lender after the loan closes.

Frequently asked questions

How much does a mortgage cost in Reading?

Mortgage rates in Reading typically range from 3% to 5%, depending on your credit score and the lender you choose.

What are the average closing costs for a mortgage in Reading?

Closing costs in Reading usually amount to about 2% to 5% of the loan amount, which can vary based on the lender and type of loan.

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 Reading homebuyers: <strong>Fidelis Mortgage Corporation</strong>

Call Fidelis Mortgage Corporation first for the best overall service and a proven track record. If you're looking for a personalized experience, Guthix Lending LLC may be the better choice with its strong reviews despite fewer total reviews. For those needing quick service with a solid reputation, Tidewater Mortgage Services, Inc. offers excellent options with a slightly lower rating but a good number of reviews.