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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 FHA 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	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,372	+0.164%	537
2	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,630	+0.309%	506
3	Manufacturers and Traders Trust Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$844	+0.079%	398
4	First Heritage Mortgage, LLC	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,891	+0.096%	170
5	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,993	+0.096%	1,767
6	Towne Bank	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,593	+0.161%	642
7	Sandy Spring Bank	Exceptional	Strong	Strong	Strong	Exceptional	$2,144	+0.231%	268
8	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,244	+0.364%	96
9	MERIDIAN BANK	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,057	+0.194%	723
10	Truist Bank	Exceptional	Strong	Strong	Sound	Exceptional	-$629	-0.066%	494
11	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED	Exceptional	Strong	Strong	Sound	Exceptional	$1,302	-0.266%	344
12	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,585	-0.097%	308
13	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,361	+0.393%	209
14	United Bank	Exceptional	Strong	Strong	Strong	Strong	$1,838	-0.225%	186
15	WesBanco Bank, Inc.	Exceptional	Strong	Strong	Strong	Strong	$1,650	+0.222%	100
16	KEYSTONE FUNDING, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,594	+0.342%	80
17	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,143	+0.282%	2,545
18	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,273	+0.392%	1,197
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,032	+0.367%	591
20	BAY CAPITAL MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	Exceptional	$3,832	+0.175%	334
21	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,284	+0.114%	261
22	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$3,171	+0.249%	255
23	Fulton Bank, National Association	Strong	Strong	Strong	Sound	Strong	$2,828	+0.245%	231
24	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$3,607	+0.208%	152
25	PNC Bank, National Association	Strong	Strong	Strong	Sound	Strong	$808	+0.056%	145
26	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,261	+0.280%	114
27	EMM LOANS LLC	Strong	Sound	Exceptional	Strong	Strong	$2,293	+0.413%	104
28	PENTAGON FEDERAL CREDIT UNION	Strong	Strong	Strong	Sound	Strong	$3,221	-0.187%	81
29	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,477	+0.318%	349
30	Cazle Mortgage, Inc.	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,735	+0.577%	198
31	Shore United Bank, N.A.	Strong	Sound	Strong	Strong	Strong	$2,590	+0.144%	193
32	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,933	+0.150%	162
33	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,217	+0.597%	136
34	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,408	+0.133%	124
35	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,474	+0.322%	120
36	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,867	+0.476%	86
37	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,472	+0.266%	468
38	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,707	+0.251%	321
39	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,217	+0.219%	263
40	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,406	+0.290%	253
41	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,144	+0.089%	237
42	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,894	+0.307%	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	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,627	+0.637%	171
46	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,060	+0.253%	168
47	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,351	+0.528%	121
48	OCMBC, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,157	+0.854%	113
49	Vellum Mortgage, Inc.	Strong	Acceptable	Strong	Exceptional	Strong	$3,300	+0.235%	102
50	SUN WEST MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,612	+0.097%	93

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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