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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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $301 | -0.562% | 243 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$537 | -0.137% | 441 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $779 | -0.137% | 109 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $438 | -0.323% | 105 | |
5 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,680 | +0.118% | 272 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,652 | -0.225% | 132 | |
7 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | Exceptional | Strong | Strong | Strong | Exceptional | $814 | -0.528% | 123 | |
8 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,433 | -0.049% | 116 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$506 | -0.114% | 75 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $593 | -0.050% | 73 | |
11 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $287 | -0.583% | 67 | |
12 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | -$197 | -0.291% | 55 | |
13 | FEDERATED MORTGAGE CORP. | Exceptional | Exceptional | Sound | Strong | Strong | -$854 | -0.199% | 34 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,271 | -0.036% | 288 | |
15 | Atlantic Coast Mortgage, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,846 | +0.103% | 222 | |
16 | BAY EQUITY LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,117 | -0.018% | 217 | |
17 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | -$148 | -0.127% | 217 | |
18 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,220 | -0.162% | 119 | |
19 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $527 | -0.069% | 63 | |
20 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Exceptional | Exceptional | Strong | Acceptable | Strong | $1,999 | -0.560% | 40 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,736 | +0.140% | 988 | |
22 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,445 | +0.103% | 637 | |
23 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Exceptional | $2,894 | +0.155% | 152 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,856 | +0.059% | 110 | |
25 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,598 | +0.143% | 67 | |
26 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,615 | +0.174% | 435 | |
27 | Sandy Spring Bank | Strong | Sound | Strong | Sound | Exceptional | $1,059 | +0.105% | 193 | |
28 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,878 | -0.111% | 153 | |
29 | United Bank | Strong | Sound | Strong | Strong | Strong | $2,336 | -0.008% | 137 | |
30 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,701 | +0.077% | 71 | |
31 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,164 | +0.099% | 47 | |
32 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Strong | $1,644 | +0.067% | 43 | |
33 | Towne Bank | Strong | Acceptable | Strong | Strong | Exceptional | $3,232 | +0.067% | 336 | |
34 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $2,505 | +0.159% | 287 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,713 | +0.181% | 223 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,227 | +0.017% | 180 | |
37 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $4,117 | +0.436% | 156 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,616 | +0.211% | 137 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,209 | +0.062% | 117 | |
40 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,464 | +0.196% | 112 | |
41 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,323 | +0.048% | 88 | |
42 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,329 | +0.295% | 72 | |
43 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,257 | +0.262% | 68 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,315 | +0.311% | 66 | |
45 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,202 | +0.328% | 63 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,820 | +0.416% | 62 | |
47 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,908 | +0.188% | 61 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,452 | +0.263% | 58 | |
49 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,398 | +0.349% | 58 | |
50 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,832 | +0.017% | 31 |
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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