# Best FHA Mortgage Lenders in Frederick

**As of:** 2026-05-22

Compare the top FHA mortgage lenders in Frederick. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/frederick/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 148
- **Total Loans:** 13,067
- **Median Rate Spread:** 0.15629655172413792%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First Heritage Mortgage, LLC | 95 | 68 | 84 | 272 | Independent Mortgage Company |
| 2 | Prosperity Home Mortgage, LLC | 89 | 63 | 72 | 435 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 637 | Independent Mortgage Company |
| 4 | Towne Bank | 88 | 58 | 82 | 336 | Bank |
| 5 | Sandy Spring Bank | 85 | 64 | 62 | 193 | Bank |
| 6 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 140 | Independent Mortgage Company |
| 7 | United Bank | 80 | 67 | 68 | 137 | Bank |
| 8 | INTERCOASTAL MORTGAGE, LLC | 80 | 69 | 79 | 71 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 988 | Independent Mortgage Company |
| 10 | Atlantic Coast Mortgage, LLC | 80 | 35 | 81 | 222 | Independent Mortgage Company |
| 11 | Truist Bank | 79 | 75 | 53 | 441 | Bank |
| 12 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 153 | Independent Mortgage Company |
| 13 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 79 | 69 | 52 | 123 | Credit Union |
| 14 | Shore United Bank, N.A. | 79 | 57 | 75 | 117 | Bank |
| 15 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 110 | Independent Mortgage Company |
| 16 | Ameris Bank | 79 | 50 | 78 | 67 | Bank |
| 17 | EMBRACE HOME LOANS, INC. | 75 | 35 | 71 | 242 | Independent Mortgage Company |
| 18 | BAY EQUITY LLC | 75 | 37 | 72 | 217 | Independent Mortgage Company |
| 19 | NFM, INC. | 75 | 40 | 83 | 173 | Independent Mortgage Company |
| 20 | HOMESPIRE MORTGAGE CORPORATION | 75 | 23 | 80 | 156 | Independent Mortgage Company |
| 21 | Vellum Mortgage, Inc. | 75 | 34 | 83 | 152 | Independent Mortgage Company |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 137 | Independent Mortgage Company |
| 23 | T2 FINANCIAL LLC | 75 | 29 | 82 | 72 | Independent Mortgage Company |
| 24 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 62 | Independent Mortgage Company |
| 25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 58 | Independent Mortgage Company |
| 26 | Capital Bank, National Association | 74 | 65 | 57 | 86 | Bank |
| 27 | NEWREZ LLC | 73 | 52 | 56 | 169 | Independent Mortgage Company |
| 28 | Flagstar Bank, N.A. | 73 | 58 | 71 | 39 | Bank |
| 29 | SOFI BANK, NATIONAL ASSOCIATION | 73 | 83 | 43 | 30 | Bank |
| 30 | FIRST SAVINGS MORTGAGE CORPORATION | 71 | 36 | 73 | 287 | Independent Mortgage Company |
| 31 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 180 | Independent Mortgage Company |
| 32 | LOWER, LLC | 71 | 29 | 66 | 117 | Independent Mortgage Company |
| 33 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 112 | Independent Mortgage Company |
| 34 | THE MORTGAGE LINK, INC. | 71 | 23 | 80 | 92 | Independent Mortgage Company |
| 35 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 88 | Independent Mortgage Company |
| 36 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 66 | Independent Mortgage Company |
| 37 | Integrity Home Mortgage Corporation | 71 | 23 | 79 | 60 | Independent Mortgage Company |
| 38 | Presidential Bank, FSB | 67 | 31 | 78 | 124 | Bank |
| 39 | MDE HOME LOANS, LLC | 67 | 29 | 64 | 29 | Independent Mortgage Company |
| 40 | FIRST HOME MORTGAGE CORPORATION | 67 | 13 | 84 | 483 | Independent Mortgage Company |
| 41 | ENVOY MORTGAGE, LTD | 66 | 22 | 54 | 54 | Independent Mortgage Company |
| 42 | OCMBC, INC. | 66 | 39 | 72 | 38 | Independent Mortgage Company |
| 43 | Sierra Pacific Mortgage Company, Inc. | 66 | 33 | 75 | 32 | Independent Mortgage Company |
| 44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 29 | Independent Mortgage Company |
| 45 | DIRECT MORTGAGE LOANS, LLC | 63 | 17 | 84 | 97 | Independent Mortgage Company |
| 46 | EQUITY RESOURCES, INC. | 63 | 39 | 68 | 41 | Independent Mortgage Company |
| 47 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 41 | Independent Mortgage Company |
| 48 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 223 | Independent Mortgage Company |
| 49 | FIDELITY DIRECT MORTGAGE, LLC | 60 | 14 | 81 | 71 | Independent Mortgage Company |
| 50 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 9 | 74 | 68 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Frederick.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.