# Best VA Mortgage Lenders in Baltimore

**As of:** 2026-05-22

Compare the top VA mortgage lenders in Baltimore. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/baltimore/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 212
- **Total Loans:** 31,415
- **Median Rate Spread:** 0.2793543689320388%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 1,767 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 89 | 61 | 63 | 537 | Independent Mortgage Company |
| 3 | Prosperity Home Mortgage, LLC | 89 | 64 | 73 | 506 | Independent Mortgage Company |
| 4 | Ameris Bank | 89 | 63 | 81 | 255 | Bank |
| 5 | NAVY FEDERAL CREDIT UNION | 88 | 91 | 59 | 685 | Credit Union |
| 6 | Towne Bank | 88 | 41 | 82 | 642 | Bank |
| 7 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 308 | Independent Mortgage Company |
| 8 | Sandy Spring Bank | 85 | 63 | 73 | 268 | Bank |
| 9 | GUARANTEED RATE AFFINITY, LLC | 85 | 65 | 72 | 263 | Independent Mortgage Company |
| 10 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 202 | Independent Mortgage Company |
| 11 | U.S. Bank National Association | 85 | 71 | 65 | 109 | Bank |
| 12 | AMERICAN FINANCIAL NETWORK, INC. | 85 | 75 | 63 | 90 | Independent Mortgage Company |
| 13 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 468 | Independent Mortgage Company |
| 14 | Manufacturers and Traders Trust Company | 83 | 53 | 68 | 398 | Bank |
| 15 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 321 | Independent Mortgage Company |
| 16 | SWBC MORTGAGE CORPORATION | 83 | 45 | 85 | 209 | Independent Mortgage Company |
| 17 | First Heritage Mortgage, LLC | 83 | 52 | 90 | 170 | Independent Mortgage Company |
| 18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 162 | Independent Mortgage Company |
| 19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 56 | 81 | 96 | Independent Mortgage Company |
| 20 | First National Bank of Pennsylvania | 80 | 78 | 74 | 357 | Bank |
| 21 | United Bank | 80 | 63 | 71 | 186 | Bank |
| 22 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 2,545 | Independent Mortgage Company |
| 23 | FIRST HOME MORTGAGE CORPORATION | 80 | 29 | 86 | 1,754 | Independent Mortgage Company |
| 24 | NFM, INC. | 80 | 40 | 83 | 1,197 | Independent Mortgage Company |
| 25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 591 | Independent Mortgage Company |
| 26 | MERIDIAN BANK | 79 | 47 | 78 | 723 | Bank |
| 27 | Truist Bank | 79 | 71 | 60 | 494 | Bank |
| 28 | NEWREZ LLC | 79 | 47 | 63 | 349 | Independent Mortgage Company |
| 29 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 261 | Independent Mortgage Company |
| 30 | Shore United Bank, N.A. | 79 | 42 | 84 | 193 | Bank |
| 31 | HOMESPIRE MORTGAGE CORPORATION | 79 | 50 | 85 | 171 | Independent Mortgage Company |
| 32 | Plains Commerce Bank | 79 | 46 | 66 | 152 | Bank |
| 33 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 128 | Independent Mortgage Company |
| 34 | Paramount Residential Mortgage Group, Inc. | 79 | 40 | 71 | 121 | Independent Mortgage Company |
| 35 | SUN WEST MORTGAGE COMPANY, INC. | 79 | 48 | 61 | 93 | Independent Mortgage Company |
| 36 | USAA Federal Savings Bank | 79 | 62 | 58 | 89 | Bank |
| 37 | PENTAGON FEDERAL CREDIT UNION | 79 | 66 | 58 | 81 | Credit Union |
| 38 | KEYSTONE FUNDING, INC. | 79 | 57 | 88 | 80 | Independent Mortgage Company |
| 39 | BAY CAPITAL MORTGAGE CORPORATION | 75 | 37 | 80 | 334 | Independent Mortgage Company |
| 40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 75 | 30 | 83 | 136 | Independent Mortgage Company |
| 41 | Atlantic Coast Mortgage, LLC | 75 | 37 | 86 | 124 | Independent Mortgage Company |
| 42 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 39 | 83 | 120 | Independent Mortgage Company |
| 43 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 33 | 85 | 86 | Independent Mortgage Company |
| 44 | Vellum Mortgage, Inc. | 74 | 50 | 79 | 102 | Independent Mortgage Company |
| 45 | WesBanco Bank, Inc. | 74 | 80 | 53 | 100 | Bank |
| 46 | Wells Fargo Bank, National Association | 73 | 53 | 55 | 259 | Bank |
| 47 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 435 | Independent Mortgage Company |
| 48 | Mortgage Research Center, LLC | 71 | 34 | 61 | 409 | Independent Mortgage Company |
| 49 | DAS Acquisition Company, LLC | 71 | 30 | 79 | 374 | Independent Mortgage Company |
| 50 | BAY EQUITY LLC | 71 | 38 | 73 | 237 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Baltimore.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.