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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 Conventional Mortgage Bank Lenders in Frederick
Updated February 5, 2026
Market Overview
27
Total Lenders
13,067
Total Loans
0.16%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$537 | -0.137% | 441 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $438 | -0.323% | 105 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,652 | -0.225% | 132 | |
4 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,433 | -0.049% | 116 | |
5 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$506 | -0.114% | 75 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $593 | -0.050% | 73 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $287 | -0.583% | 67 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | -$197 | -0.291% | 55 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,271 | -0.036% | 288 | |
10 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | -$148 | -0.127% | 217 | |
11 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,220 | -0.162% | 119 | |
12 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $527 | -0.069% | 63 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,598 | +0.143% | 67 | |
14 | Sandy Spring Bank | Strong | Sound | Strong | Sound | Exceptional | $1,059 | +0.105% | 193 | |
15 | United Bank | Strong | Sound | Strong | Strong | Strong | $2,336 | -0.008% | 137 | |
16 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Strong | $1,644 | +0.067% | 43 | |
17 | Towne Bank | Strong | Acceptable | Strong | Strong | Exceptional | $3,232 | +0.067% | 336 | |
18 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $27 | +0.099% | 69 | |
19 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,908 | +0.188% | 61 | |
20 | NexBank | Strong | Sound | Strong | Strong | Sound | $2,081 | +0.128% | 41 | |
21 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Strong | Acceptable | Sound | -$362 | -0.017% | 30 | |
22 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $3,637 | +0.222% | 124 | |
23 | Shore United Bank, N.A. | Strong | Acceptable | Strong | Sound | Exceptional | $3,805 | +0.159% | 117 | |
24 | Capital Bank, National Association | Strong | Sound | Sound | Sound | Strong | $1,814 | +0.143% | 86 | |
25 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,359 | +0.084% | 39 | |
26 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,460 | -0.259% | 36 | |
27 | First National Bank of America | Sound | Mediocre | Strong | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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