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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 Jumbo 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 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $814 | -0.528% | 123 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,652 | -0.225% | 132 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,220 | -0.162% | 119 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $438 | -0.323% | 105 | |
5 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $593 | -0.050% | 73 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $287 | -0.583% | 67 | |
7 | United Nations Federal Credit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | -$7 | -0.393% | 55 | |
8 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$537 | -0.137% | 441 | |
9 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | -$148 | -0.127% | 217 | |
10 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,227 | +0.017% | 180 | |
11 | Bank-Fund Staff Federal Credit Union | Exceptional | Exceptional | Strong | Sound | Strong | -$1,483 | -0.084% | 95 | |
12 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $527 | -0.069% | 63 | |
13 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,736 | +0.140% | 988 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,445 | +0.103% | 637 | |
15 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,271 | -0.036% | 288 | |
16 | First National Bank of Pennsylvania | Strong | Sound | Exceptional | Strong | Strong | $1,433 | -0.049% | 116 | |
17 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$506 | -0.114% | 75 | |
18 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $27 | +0.099% | 69 | |
19 | Fulton Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,908 | +0.188% | 61 | |
20 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,615 | +0.174% | 435 | |
21 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,721 | +0.267% | 242 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,713 | +0.181% | 223 | |
23 | Shore United Bank, N.A. | Strong | Acceptable | Strong | Strong | Exceptional | $3,805 | +0.159% | 117 | |
24 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,505 | +0.159% | 287 | |
25 | Sandy Spring Bank | Strong | Acceptable | Strong | Sound | Exceptional | $1,059 | +0.105% | 193 | |
26 | United Bank | Strong | Acceptable | Strong | Strong | Strong | $2,336 | -0.008% | 137 |
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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