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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$636	-0.456%	685
2	Truist Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	-$629	-0.066%	494
3	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,131	-0.126%	180
4	First National Bank of Pennsylvania	Exceptional	Strong	Exceptional	Strong	Strong	$1,543	+0.039%	357
5	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED	Exceptional	Strong	Strong	Strong	Exceptional	$1,302	-0.266%	344
6	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,859	-0.108%	303
7	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$808	+0.056%	145
8	ABERDEEN PROVING GROUND FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	Strong	$1,107	-0.224%	139
9	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$349	+0.019%	109
10	Manufacturers and Traders Trust Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$844	+0.079%	398
11	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,934	+0.029%	259
12	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,891	+0.096%	170
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,143	+0.282%	2,545
14	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,993	+0.096%	1,767
15	MERIDIAN BANK	Strong	Sound	Strong	Strong	Exceptional	$2,057	+0.194%	723
16	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,657	+0.097%	496
17	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,284	+0.114%	261
18	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$3,171	+0.249%	255
19	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Strong	$2,144	+0.089%	237
20	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$1,825	+0.161%	128
21	Atlantic Coast Mortgage, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,408	+0.133%	124
22	WesBanco Bank, Inc.	Strong	Sound	Exceptional	Strong	Strong	$1,650	+0.222%	100
23	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$1,244	+0.364%	96
24	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,662	+0.425%	1,038
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,032	+0.367%	591
26	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Exceptional	$2,372	+0.164%	537
27	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,630	+0.309%	506
28	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,585	-0.097%	308
29	Sandy Spring Bank	Strong	Sound	Strong	Sound	Exceptional	$2,144	+0.231%	268
30	United Bank	Strong	Sound	Strong	Strong	Strong	$1,838	-0.225%	186
31	Vellum Mortgage, Inc.	Strong	Sound	Strong	Strong	Strong	$3,300	+0.235%	102
32	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,867	+0.476%	86
33	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,633	+0.212%	71
34	Towne Bank	Strong	Acceptable	Strong	Strong	Exceptional	$2,593	+0.161%	642
35	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,472	+0.266%	468
36	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,704	+0.417%	435
37	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,177	+0.114%	374
38	BAY CAPITAL MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$3,832	+0.175%	334
39	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,707	+0.251%	321
40	Fulton Bank, National Association	Strong	Acceptable	Exceptional	Strong	Strong	$2,828	+0.245%	231
41	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,894	+0.307%	209
42	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,361	+0.393%	209
43	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,219	+0.102%	202
44	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,578	+0.334%	185
45	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,318	+0.451%	169
46	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,060	+0.253%	168
47	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$2,933	+0.150%	162
48	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,607	+0.208%	152
49	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,217	+0.597%	136
50	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,351	+0.528%	121

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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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