Safe Rate Rankings

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

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.