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Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Mortgage Lenders in Baltimore

Updated February 5, 2026

Market Overview

212

Total Lenders

31,415

Total Loans

0.28%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Exceptional	$636	-0.456%	685
2	ABERDEEN PROVING GROUND FEDERAL CREDIT UNION	Exceptional	Exceptional	Strong	Strong	$1,107	-0.224%	139
3	Truist Bank	Exceptional	Strong	Strong	Exceptional	-$629	-0.066%	494
4	Manufacturers and Traders Trust Company	Exceptional	Strong	Strong	Exceptional	$844	+0.079%	398
5	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Sound	Strong	$1,131	-0.126%	180
6	FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$815	-0.340%	87
7	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$2,993	+0.096%	1,767
8	MERIDIAN BANK	Strong	Sound	Exceptional	Exceptional	$2,057	+0.194%	723
9	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED	Strong	Strong	Sound	Exceptional	$1,302	-0.266%	344
10	Bank of America, National Association	Strong	Strong	Strong	Strong	$1,859	-0.108%	303
11	PNC Bank, National Association	Strong	Strong	Strong	Strong	$808	+0.056%	145
12	U.S. Bank National Association	Strong	Strong	Strong	Strong	$349	+0.019%	109
13	CREDIT UNION MORTGAGE ASSOCIATION, INC.	Strong	Exceptional	Acceptable	Strong	$1,544	-0.751%	92
14	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Exceptional	$2,372	+0.164%	537
15	Sandy Spring Bank	Strong	Sound	Strong	Exceptional	$2,144	+0.231%	268
16	Wells Fargo Bank, National Association	Strong	Strong	Sound	Strong	$1,934	+0.029%	259
17	Ameris Bank	Strong	Sound	Exceptional	Strong	$3,171	+0.249%	255
18	First Heritage Mortgage, LLC	Strong	Sound	Exceptional	Strong	$2,891	+0.096%	170
19	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	$1,244	+0.364%	96
20	KEYSTONE FUNDING, INC.	Strong	Sound	Exceptional	Strong	$2,594	+0.342%	80
21	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,143	+0.282%	2,545
22	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	$4,273	+0.392%	1,197
23	Towne Bank	Strong	Acceptable	Exceptional	Exceptional	$2,593	+0.161%	642
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	$3,032	+0.367%	591
25	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$2,657	+0.097%	496
26	First National Bank of Pennsylvania	Strong	Sound	Strong	Strong	$1,543	+0.039%	357
27	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$1,585	-0.097%	308
28	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$3,284	+0.114%	261
29	BAY EQUITY LLC	Strong	Sound	Strong	Strong	$2,144	+0.089%	237
30	Fulton Bank, National Association	Strong	Sound	Strong	Strong	$2,828	+0.245%	231
31	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$2,219	+0.102%	202
32	United Bank	Strong	Sound	Strong	Strong	$1,838	-0.225%	186
33	Vellum Mortgage, Inc.	Strong	Sound	Strong	Strong	$3,300	+0.235%	102
34	WesBanco Bank, Inc.	Strong	Sound	Strong	Strong	$1,650	+0.222%	100
35	Prosperity Home Mortgage, LLC	Strong	Acceptable	Strong	Exceptional	$2,630	+0.309%	506
36	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$2,472	+0.266%	468
37	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	$3,177	+0.114%	374
38	BAY CAPITAL MORTGAGE CORPORATION	Strong	Acceptable	Strong	Exceptional	$3,832	+0.175%	334
39	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$2,707	+0.251%	321
40	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	$2,894	+0.307%	209
41	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$3,361	+0.393%	209
42	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$4,627	+0.637%	171
43	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	$2,933	+0.150%	162
44	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	$3,217	+0.597%	136
45	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Strong	$1,825	+0.161%	128
46	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	$3,408	+0.133%	124
47	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$1,474	+0.322%	120
48	USAA Federal Savings Bank	Strong	Sound	Sound	Strong	$1,607	-0.112%	89
49	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Strong	$2,867	+0.476%	86
50	PENTAGON FEDERAL CREDIT UNION	Strong	Sound	Sound	Strong	$3,221	-0.187%	81

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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