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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 Company Lenders in Baltimore

Updated February 5, 2026

Market Overview

Total Lenders

31,415

Total Loans

0.28%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,131	-0.126%	180
2	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,891	+0.096%	170
3	CREDIT UNION MORTGAGE ASSOCIATION, INC.	Exceptional	Exceptional	Strong	Acceptable	Strong	$1,544	-0.751%	92
4	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,143	+0.282%	2,545
5	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,993	+0.096%	1,767
6	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,284	+0.114%	261
7	BAY EQUITY LLC	Strong	Sound	Exceptional	Strong	Strong	$2,144	+0.089%	237
8	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$1,825	+0.161%	128
9	Atlantic Coast Mortgage, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,408	+0.133%	124
10	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$1,244	+0.364%	96
11	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,662	+0.425%	1,038
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,032	+0.367%	591
13	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Exceptional	$2,372	+0.164%	537
14	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,630	+0.309%	506
15	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,585	-0.097%	308
16	Vellum Mortgage, Inc.	Strong	Sound	Strong	Strong	Strong	$3,300	+0.235%	102
17	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,867	+0.476%	86
18	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,633	+0.212%	71
19	FIRST HOME MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,875	+0.376%	1,754
20	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,472	+0.266%	468
21	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,704	+0.417%	435
22	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,177	+0.114%	374
23	BAY CAPITAL MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$3,832	+0.175%	334
24	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,707	+0.251%	321
25	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,894	+0.307%	209
26	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,361	+0.393%	209
27	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,219	+0.102%	202
28	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,578	+0.334%	185
29	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,318	+0.451%	169
30	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,060	+0.253%	168
31	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$2,933	+0.150%	162
32	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,217	+0.597%	136
33	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,351	+0.528%	121
34	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,474	+0.322%	120
35	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,261	+0.280%	114
36	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,293	+0.413%	104
37	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,619	+0.700%	90
38	NFM, INC.	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,273	+0.392%	1,197
39	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,477	+0.318%	349
40	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,217	+0.219%	263
41	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$4,627	+0.637%	171
42	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,004	+0.714%	164
43	FIRST SAVINGS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$3,040	+0.244%	100
44	KEYSTONE FUNDING, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,594	+0.342%	80
45	SOUTHERN TRUST MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	Strong	$3,960	+0.231%	70
46	Homesale Mortgage, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,038	+0.449%	66
47	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,675	+0.456%	409
48	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Sound	Strong	$3,406	+0.290%	253
49	MORTGAGE EQUITY PARTNERS LLC	Strong	Acceptable	Strong	Sound	Strong	$3,798	+0.543%	120
50	ENVOY MORTGAGE, LTD	Strong	Acceptable	Strong	Sound	Strong	$3,161	+0.262%	113

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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