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.

Market

Total Lenders212

Total Loans31,415

Median Rate Spread0.28%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
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)

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.