Safe Rate Rankings

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

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.