# Best Mortgage Companie Lenders in Baltimore

**As of:** 2026-05-25

Compare the top mortgage companies offering mortgages in Baltimore. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/baltimore/best-mortgage-lenders/mortgage-companies


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 212
- **Total Loans:** 31,415
- **Median Rate Spread:** 0.2793543689320388%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 1,767 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 78 | 55 | 67 | 537 | Independent Mortgage Company |
| 3 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 180 | Independent Mortgage Company |
| 4 | First Heritage Mortgage, LLC | 78 | 51 | 89 | 170 | Independent Mortgage Company |
| 5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 96 | Independent Mortgage Company |
| 6 | KEYSTONE FUNDING, INC. | 78 | 42 | 88 | 80 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 2,545 | Independent Mortgage Company |
| 8 | NFM, INC. | 74 | 23 | 87 | 1,197 | Independent Mortgage Company |
| 9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 591 | Independent Mortgage Company |
| 10 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 308 | Independent Mortgage Company |
| 11 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 261 | Independent Mortgage Company |
| 12 | BAY EQUITY LLC | 73 | 43 | 65 | 237 | Independent Mortgage Company |
| 13 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 202 | Independent Mortgage Company |
| 14 | Vellum Mortgage, Inc. | 73 | 41 | 77 | 102 | Independent Mortgage Company |
| 15 | Prosperity Home Mortgage, LLC | 68 | 37 | 77 | 506 | Independent Mortgage Company |
| 16 | BAY CAPITAL MORTGAGE CORPORATION | 68 | 32 | 71 | 334 | Independent Mortgage Company |
| 17 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 468 | Independent Mortgage Company |
| 18 | DAS Acquisition Company, LLC | 68 | 26 | 80 | 374 | Independent Mortgage Company |
| 19 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 321 | Independent Mortgage Company |
| 20 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 209 | Independent Mortgage Company |
| 21 | SWBC MORTGAGE CORPORATION | 68 | 34 | 86 | 209 | Independent Mortgage Company |
| 22 | HOMESPIRE MORTGAGE CORPORATION | 68 | 25 | 84 | 171 | Independent Mortgage Company |
| 23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 162 | Independent Mortgage Company |
| 24 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 136 | Independent Mortgage Company |
| 25 | Atlantic Coast Mortgage, LLC | 68 | 37 | 84 | 124 | Independent Mortgage Company |
| 26 | FIRST COMMUNITY MORTGAGE, INC. | 68 | 31 | 89 | 120 | Independent Mortgage Company |
| 27 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | 68 | 89 | 38 | 92 | Independent Mortgage Company |
| 28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 68 | 25 | 90 | 86 | Independent Mortgage Company |
| 29 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 57 | 57 | 128 | Independent Mortgage Company |
| 30 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 435 | Independent Mortgage Company |
| 31 | Mortgage Research Center, LLC | 63 | 34 | 70 | 409 | Independent Mortgage Company |
| 32 | GUARANTEED RATE AFFINITY, LLC | 63 | 33 | 60 | 263 | Independent Mortgage Company |
| 33 | EMBRACE HOME LOANS, INC. | 63 | 31 | 74 | 253 | Independent Mortgage Company |
| 34 | LOWER, LLC | 63 | 30 | 71 | 185 | Independent Mortgage Company |
| 35 | FIDELITY DIRECT MORTGAGE, LLC | 63 | 23 | 76 | 184 | Independent Mortgage Company |
| 36 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 169 | Independent Mortgage Company |
| 37 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 168 | Independent Mortgage Company |
| 38 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 121 | Independent Mortgage Company |
| 39 | MORTGAGE EQUITY PARTNERS LLC | 63 | 26 | 70 | 120 | Independent Mortgage Company |
| 40 | THE LOAN STORE, INC. | 63 | 40 | 77 | 114 | Independent Mortgage Company |
| 41 | OCMBC, INC. | 63 | 21 | 64 | 113 | Independent Mortgage Company |
| 42 | EMM LOANS LLC | 63 | 31 | 77 | 104 | Independent Mortgage Company |
| 43 | FIRST SAVINGS MORTGAGE CORPORATION | 63 | 36 | 79 | 100 | Independent Mortgage Company |
| 44 | SUN WEST MORTGAGE COMPANY, INC. | 63 | 33 | 62 | 93 | Independent Mortgage Company |
| 45 | AMERICAN FINANCIAL NETWORK, INC. | 63 | 28 | 71 | 90 | Independent Mortgage Company |
| 46 | BAYSHORE MORTGAGE FUNDING, LLC | 63 | 20 | 62 | 76 | Independent Mortgage Company |
| 47 | Homesale Mortgage, LLC | 63 | 33 | 72 | 66 | Independent Mortgage Company |
| 48 | FIRST HOME MORTGAGE CORPORATION | 58 | 18 | 88 | 1,754 | Independent Mortgage Company |
| 49 | DIRECT MORTGAGE LOANS, LLC | 58 | 17 | 80 | 566 | Independent Mortgage Company |
| 50 | NEWREZ LLC | 58 | 35 | 59 | 349 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Baltimore.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.