Safe Rate Rankings

Best Credit Union Mortgage Lenders in Baltimore

Updated May 25, 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.
Total Lenders212
Total Loans31,415
Median Rate Spread0.28%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
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
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNIONCredit Union
Exceptional
Exceptional
Sound
Strong
$815Fees
0.340%Below
87
4
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union
Strong
Strong
Sound
Exceptional
$1,302Fees
0.266%Below
344
5
TOWER Federal Credit UnionCredit Union
Strong
Strong
Acceptable
Strong
$1,923Fees
0.247%Below
98
6
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)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.