Safe Rate Rankings

Best FHA Mortgage Companie Lenders in Baltimore

Updated May 26, 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%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Exceptional
$2,372Fees
0.164%Above
537
2
Prosperity Home Mortgage, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Exceptional
$2,630Fees
0.309%Above
506
3
First Heritage Mortgage, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Exceptional
Strong
$2,891Fees
0.096%Above
170
4
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Exceptional
$2,993Fees
0.096%Above
1,767
5
ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Strong
$1,244Fees
0.364%Above
96
6
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Sound
Strong
$1,585Fees
0.097%Below
308
7
SWBC MORTGAGE CORPORATIONIndependent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Strong
$3,361Fees
0.393%Above
209
8
KEYSTONE FUNDING, INC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Strong
$2,594Fees
0.342%Above
80
9
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$4,143Fees
0.282%Above
2,545
10
NFM, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$4,273Fees
0.392%Above
1,197
11
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$3,032Fees
0.367%Above
591
12
BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Sound
Strong
Strong
Exceptional
$3,832Fees
0.175%Above
334
13
LOANDEPOT.COM, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$3,284Fees
0.114%Above
261
14
THE LOAN STORE, INC.Independent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$2,261Fees
0.280%Above
114
15
EMM LOANS LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Strong
$2,293Fees
0.413%Above
104
16
CREDIT UNION MORTGAGE ASSOCIATION, INC.Independent Mortgage Company
Strong
Exceptional
Sound
Acceptable
Strong
$1,544Fees
0.751%Below
92
17
NEWREZ LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Sound
Strong
$2,477Fees
0.318%Above
349
18
Cazle Mortgage, Inc.Independent Mortgage Company
Strong
Acceptable
Strong
Exceptional
Exceptional
$3,735Fees
0.577%Above
198
19
PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$2,933Fees
0.150%Above
162
20
UNION HOME MORTGAGE CORP.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$3,217Fees
0.597%Above
136
21
Atlantic Coast Mortgage, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$3,408Fees
0.133%Above
124
22
FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$1,474Fees
0.322%Above
120
23
ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$2,867Fees
0.476%Above
86
24
FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Mediocre
Exceptional
Exceptional
Exceptional
$4,875Fees
0.376%Above
1,754
25
DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company
Strong
Mediocre
Exceptional
Exceptional
Exceptional
$3,819Fees
0.391%Above
566
26
MOVEMENT MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,472Fees
0.266%Above
468
27
CMG MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,707Fees
0.251%Above
321
28
GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,217Fees
0.219%Above
263
29
EMBRACE HOME LOANS, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,406Fees
0.290%Above
253
30
BAY EQUITY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,144Fees
0.089%Above
237
31
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,894Fees
0.307%Above
209
32
GUARANTEED RATE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,219Fees
0.102%Above
202
33
LOWER, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,578Fees
0.334%Above
185
34
HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,627Fees
0.637%Above
171
35
Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,060Fees
0.253%Above
168
36
Paramount Residential Mortgage Group, Inc.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,351Fees
0.528%Above
121
37
OCMBC, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,157Fees
0.854%Above
113
38
Vellum Mortgage, Inc.Independent Mortgage Company
Strong
Acceptable
Strong
Exceptional
Strong
$3,300Fees
0.235%Above
102
39
SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$4,612Fees
0.097%Above
93
40
AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$3,619Fees
0.700%Above
90
41
PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Exceptional
$4,662Fees
0.425%Above
1,038
42
Mortgage Research Center, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$2,675Fees
0.456%Above
409
43
DAS Acquisition Company, LLCIndependent Mortgage Company
Strong
Mediocre
Exceptional
Exceptional
Strong
$3,177Fees
0.114%Above
374
44
MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$1,825Fees
0.161%Above
128
45
ENVOY MORTGAGE, LTDIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$3,161Fees
0.262%Above
113
46
FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$3,040Fees
0.244%Above
100
47
CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Sound
Strong
$4,284Fees
0.377%Above
85
48
PLAZA HOME MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Sound
$2,633Fees
0.212%Above
71
49
Homesale Mortgage, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Strong
$2,038Fees
0.449%Above
66
50
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$3,704Fees
0.417%Above
435

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)

10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.