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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 FHA 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
1	First Heritage Mortgage, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,680	+0.118%	272
2	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,615	+0.174%	435
3	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,445	+0.103%	637
4	Towne Bank	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,232	+0.067%	336
5	Sandy Spring Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,059	+0.105%	193
6	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,286	+0.077%	140
7	Truist Bank	Exceptional	Strong	Strong	Sound	Exceptional	-$537	-0.137%	441
8	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,878	-0.111%	153
9	United Bank	Exceptional	Strong	Strong	Strong	Strong	$2,336	-0.008%	137
10	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED	Exceptional	Strong	Strong	Sound	Exceptional	$814	-0.528%	123
11	INTERCOASTAL MORTGAGE, LLC	Exceptional	Strong	Strong	Strong	Strong	$2,701	+0.077%	71
12	SOFI BANK, NATIONAL ASSOCIATION	Exceptional	Exceptional	Strong	Sound	Sound	-$362	-0.017%	30
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,736	+0.140%	988
14	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,846	+0.103%	222
15	Shore United Bank, N.A.	Strong	Sound	Strong	Strong	Exceptional	$3,805	+0.159%	117
16	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,856	+0.059%	110
17	Capital Bank, National Association	Strong	Strong	Strong	Sound	Strong	$1,814	+0.143%	86
18	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$3,598	+0.143%	67
19	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,721	+0.267%	242
20	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,117	-0.018%	217
21	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,036	+0.305%	173
22	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,230	+0.264%	169
23	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,117	+0.436%	156
24	Vellum Mortgage, Inc.	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,894	+0.155%	152
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,616	+0.211%	137
26	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,329	+0.295%	72
27	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,820	+0.416%	62
28	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,452	+0.263%	58
29	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Sound	$3,359	+0.084%	39
30	FIRST HOME MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$3,897	+0.297%	483
31	FIRST SAVINGS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$2,505	+0.159%	287
32	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,227	+0.017%	180
33	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,209	+0.062%	117
34	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,464	+0.196%	112
35	THE MORTGAGE LINK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,744	+0.353%	92
36	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,323	+0.048%	88
37	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,315	+0.311%	66
38	Integrity Home Mortgage Corporation	Strong	Acceptable	Exceptional	Strong	Strong	$3,458	+0.521%	60
39	Presidential Bank, FSB	Strong	Acceptable	Strong	Strong	Strong	$3,637	+0.222%	124
40	DIRECT MORTGAGE LOANS, LLC	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,171	+0.325%	97
41	ENVOY MORTGAGE, LTD	Strong	Acceptable	Exceptional	Sound	Strong	$3,659	+0.244%	54
42	OCMBC, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,037	+1.143%	38
43	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$2,755	+0.224%	32
44	MDE HOME LOANS, LLC	Strong	Acceptable	Strong	Strong	Strong	$1,313	+0.201%	29
45	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$2,873	+0.330%	29
46	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$2,713	+0.181%	223
47	FIDELITY DIRECT MORTGAGE, LLC	Strong	Mediocre	Strong	Exceptional	Strong	$3,622	+0.310%	71
48	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$4,257	+0.262%	68
49	EQUITY RESOURCES, INC.	Strong	Acceptable	Strong	Strong	Sound	$2,808	+0.265%	41
50	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$353	-0.156%	41

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.

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