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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 Bank Mortgage Lenders in Frederick
Updated February 5, 2026
Market Overview
27
Total Lenders
3,377
Total Loans
0.04%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $287 | -0.583% | 67 | |
2 | Truist Bank | Exceptional | Strong | Strong | Exceptional | -$537 | -0.137% | 441 | |
3 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | -$148 | -0.127% | 217 | |
4 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $438 | -0.323% | 105 | |
5 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | -$197 | -0.291% | 55 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,652 | -0.225% | 132 | |
7 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$506 | -0.114% | 75 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $593 | -0.050% | 73 | |
9 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $527 | -0.069% | 63 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,271 | -0.036% | 288 | |
11 | Sandy Spring Bank | Strong | Sound | Strong | Exceptional | $1,059 | +0.105% | 193 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,220 | -0.162% | 119 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Strong | $3,598 | +0.143% | 67 | |
14 | MERIDIAN BANK | Strong | Sound | Exceptional | Strong | $1,644 | +0.067% | 43 | |
15 | Towne Bank | Strong | Acceptable | Exceptional | Exceptional | $3,232 | +0.067% | 336 | |
16 | United Bank | Strong | Sound | Strong | Strong | $2,336 | -0.008% | 137 | |
17 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,433 | -0.049% | 116 | |
18 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $1,908 | +0.188% | 61 | |
19 | Shore United Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $3,805 | +0.159% | 117 | |
20 | Capital Bank, National Association | Strong | Sound | Sound | Strong | $1,814 | +0.143% | 86 | |
21 | TD Bank, National Association | Strong | Sound | Sound | Strong | $27 | +0.099% | 69 | |
22 | NexBank | Strong | Sound | Strong | Sound | $2,081 | +0.128% | 41 | |
23 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Acceptable | Sound | -$362 | -0.017% | 30 | |
24 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | $3,637 | +0.222% | 124 | |
25 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,460 | -0.259% | 36 | |
26 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,359 | +0.084% | 39 | |
27 | First National Bank of America | Sound | Mediocre | Sound | Strong | $9,143 | +1.827% | 48 |
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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