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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 VA 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	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,993	+0.096%	1,767
2	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,372	+0.164%	537
3	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,630	+0.309%	506
4	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,585	-0.097%	308
5	GUARANTEED RATE AFFINITY, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,217	+0.219%	263
6	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,219	+0.102%	202
7	AMERICAN FINANCIAL NETWORK, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$3,619	+0.700%	90
8	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,472	+0.266%	468
9	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,707	+0.251%	321
10	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,361	+0.393%	209
11	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,891	+0.096%	170
12	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,933	+0.150%	162
13	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,244	+0.364%	96
14	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,143	+0.282%	2,545
15	FIRST HOME MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,875	+0.376%	1,754
16	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,273	+0.392%	1,197
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,032	+0.367%	591
18	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$2,477	+0.318%	349
19	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,284	+0.114%	261
20	HOMESPIRE MORTGAGE CORPORATION	Strong	Sound	Strong	Exceptional	Strong	$4,627	+0.637%	171
21	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,825	+0.161%	128
22	Paramount Residential Mortgage Group, Inc.	Strong	Sound	Exceptional	Strong	Strong	$3,351	+0.528%	121
23	SUN WEST MORTGAGE COMPANY, INC.	Strong	Sound	Exceptional	Strong	Strong	$4,612	+0.097%	93
24	KEYSTONE FUNDING, INC.	Strong	Sound	Strong	Exceptional	Strong	$2,594	+0.342%	80
25	BAY CAPITAL MORTGAGE CORPORATION	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,832	+0.175%	334
26	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$5,131	+0.632%	136
27	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,408	+0.133%	124
28	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,474	+0.322%	120
29	Vellum Mortgage, Inc.	Strong	Sound	Strong	Strong	Strong	$3,300	+0.235%	102
30	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,867	+0.476%	86
31	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,704	+0.417%	435
32	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,675	+0.456%	409
33	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,177	+0.114%	374
34	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,144	+0.089%	237
35	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,894	+0.307%	209
36	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,578	+0.334%	185
37	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,318	+0.451%	169
38	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,060	+0.253%	168
39	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,293	+0.413%	104
40	FIRST SAVINGS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Exceptional	Strong	$3,040	+0.244%	100
41	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,662	+0.425%	1,038
42	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Strong	Strong	$3,406	+0.290%	253
43	Cazle Mortgage, Inc.	Strong	Mediocre	Strong	Exceptional	Exceptional	$3,735	+0.577%	198
44	ENVOY MORTGAGE, LTD	Strong	Acceptable	Exceptional	Sound	Strong	$3,161	+0.262%	113
45	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,284	+0.377%	85
46	DIRECT MORTGAGE LOANS, LLC	Strong	Mediocre	Strong	Strong	Exceptional	$3,819	+0.391%	566
47	SOUTHERN TRUST MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,960	+0.231%	70
48	FIDELITY DIRECT MORTGAGE, LLC	Sound	Mediocre	Strong	Strong	Strong	$3,508	+0.522%	184
49	CHURCHILL MORTGAGE CORPORATION	Sound	Mediocre	Strong	Strong	Strong	$4,095	+0.456%	111
50	BAYSHORE MORTGAGE FUNDING, LLC	Sound	Mediocre	Strong	Strong	Strong	$4,798	+0.572%	76

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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