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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 Mortgage Lenders in Frederick
Updated February 5, 2026
Market Overview
148
Total Lenders
13,067
Total Loans
0.16%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $301 | -0.562% | 243 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $287 | -0.583% | 67 | |
3 | Truist Bank | Exceptional | Strong | Strong | Exceptional | -$537 | -0.137% | 441 | |
4 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | -$148 | -0.127% | 217 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $779 | -0.137% | 109 | |
6 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $438 | -0.323% | 105 | |
7 | Bank-Fund Staff Federal Credit Union | Exceptional | Exceptional | Sound | Strong | -$1,483 | -0.084% | 95 | |
8 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | -$197 | -0.291% | 55 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,445 | +0.103% | 637 | |
10 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,680 | +0.118% | 272 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,652 | -0.225% | 132 | |
12 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | Strong | Strong | Sound | Exceptional | $814 | -0.528% | 123 | |
13 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$506 | -0.114% | 75 | |
14 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $593 | -0.050% | 73 | |
15 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $527 | -0.069% | 63 | |
16 | FEDERATED MORTGAGE CORP. | Strong | Strong | Strong | Strong | -$854 | -0.199% | 34 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,271 | -0.036% | 288 | |
18 | BAY EQUITY LLC | Strong | Sound | Strong | Exceptional | $2,117 | -0.018% | 217 | |
19 | Sandy Spring Bank | Strong | Sound | Strong | Exceptional | $1,059 | +0.105% | 193 | |
20 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Exceptional | $2,894 | +0.155% | 152 | |
21 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,220 | -0.162% | 119 | |
22 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,701 | +0.077% | 71 | |
23 | Ameris Bank | Strong | Sound | Exceptional | Strong | $3,598 | +0.143% | 67 | |
24 | United Nations Federal Credit Union | Strong | Strong | Sound | Strong | -$7 | -0.393% | 55 | |
25 | MERIDIAN BANK | Strong | Sound | Exceptional | Strong | $1,644 | +0.067% | 43 | |
26 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,736 | +0.140% | 988 | |
27 | Towne Bank | Strong | Acceptable | Exceptional | Exceptional | $3,232 | +0.067% | 336 | |
28 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,846 | +0.103% | 222 | |
29 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,227 | +0.017% | 180 | |
30 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,117 | +0.436% | 156 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,878 | -0.111% | 153 | |
32 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,286 | +0.077% | 140 | |
33 | United Bank | Strong | Sound | Strong | Strong | $2,336 | -0.008% | 137 | |
34 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,433 | -0.049% | 116 | |
35 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,856 | +0.059% | 110 | |
36 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $1,908 | +0.188% | 61 | |
37 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,615 | +0.174% | 435 | |
38 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,505 | +0.159% | 287 | |
39 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $2,721 | +0.267% | 242 | |
40 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,036 | +0.305% | 173 | |
41 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,616 | +0.211% | 137 | |
42 | Shore United Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $3,805 | +0.159% | 117 | |
43 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,464 | +0.196% | 112 | |
44 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,323 | +0.048% | 88 | |
45 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,329 | +0.295% | 72 | |
46 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,315 | +0.311% | 66 | |
47 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,202 | +0.328% | 63 | |
48 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,820 | +0.416% | 62 | |
49 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $3,458 | +0.521% | 60 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,452 | +0.263% | 58 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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