Safe Rate Rankings

Best All Lender Mortgage Lenders in Frederick

Updated May 22, 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 Lenders148

Total Loans13,067

Median Rate Spread0.16%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.