Safe Rate Rankings

Best All Lender Mortgage Lenders in Baltimore

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders212

Total Loans31,415

Median Rate Spread0.28%

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