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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 Conventional Mortgage Company Lenders in Frederick

Updated February 5, 2026

Market Overview

Total Lenders

13,067

Total Loans

0.16%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$779	-0.137%	109
2	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,680	+0.118%	272
3	FEDERATED MORTGAGE CORP.	Exceptional	Exceptional	Sound	Strong	Strong	-$854	-0.199%	34
4	Atlantic Coast Mortgage, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,846	+0.103%	222
5	BAY EQUITY LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,117	-0.018%	217
6	CREDIT UNION MORTGAGE ASSOCIATION, INC.	Exceptional	Exceptional	Strong	Acceptable	Strong	$1,999	-0.560%	40
7	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,736	+0.140%	988
8	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,445	+0.103%	637
9	Vellum Mortgage, Inc.	Strong	Sound	Strong	Strong	Exceptional	$2,894	+0.155%	152
10	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,856	+0.059%	110
11	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,615	+0.174%	435
12	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,878	-0.111%	153
13	INTERCOASTAL MORTGAGE, LLC	Strong	Sound	Strong	Strong	Strong	$2,701	+0.077%	71
14	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$3,164	+0.099%	47
15	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$353	-0.156%	41
16	FIRST HOME MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$3,897	+0.297%	483
17	FIRST SAVINGS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$2,505	+0.159%	287
18	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,713	+0.181%	223
19	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,227	+0.017%	180
20	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$4,117	+0.436%	156
21	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,286	+0.077%	140
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,616	+0.211%	137
23	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,209	+0.062%	117
24	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,464	+0.196%	112
25	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,323	+0.048%	88
26	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,329	+0.295%	72
27	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,257	+0.262%	68
28	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,315	+0.311%	66
29	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,202	+0.328%	63
30	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,820	+0.416%	62
31	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$3,452	+0.263%	58
32	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,398	+0.349%	58
33	EQUITY RESOURCES, INC.	Strong	Sound	Strong	Strong	Sound	$2,808	+0.265%	41
34	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,832	+0.017%	31
35	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Sound	Exceptional	$2,721	+0.267%	242
36	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,230	+0.264%	169
37	THE MORTGAGE LINK, INC.	Strong	Acceptable	Strong	Strong	Strong	$3,744	+0.353%	92
38	Integrity Home Mortgage Corporation	Strong	Acceptable	Strong	Strong	Strong	$3,458	+0.521%	60
39	BAY CAPITAL MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$3,891	+0.049%	41
40	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,733	+0.174%	40
41	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Sound	$2,755	+0.224%	32
42	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Sound	$2,873	+0.330%	29
43	MDE HOME LOANS, LLC	Strong	Sound	Sound	Sound	Strong	$1,313	+0.201%	29
44	NFM, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$4,036	+0.305%	173
45	ENVOY MORTGAGE, LTD	Strong	Acceptable	Strong	Sound	Strong	$3,659	+0.244%	54
46	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$1,996	+0.262%	46
47	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,930	+0.306%	42
48	FIDELITY DIRECT MORTGAGE, LLC	Sound	Acceptable	Sound	Sound	Strong	$3,622	+0.310%	71
49	MORTGAGE ACCESS CORP.	Sound	Acceptable	Strong	Sound	Sound	$3,582	+0.449%	36
50	OriginPoint, LLC	Sound	Acceptable	Strong	Sound	Sound	$1,329	+0.140%	30

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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