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

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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