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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 Company Lenders in Frederick
Updated February 5, 2026
Market Overview
44
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 | 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 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,286 | +0.077% | 140 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,878 | -0.111% | 153 | |
6 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,701 | +0.077% | 71 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,736 | +0.140% | 988 | |
8 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,846 | +0.103% | 222 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,856 | +0.059% | 110 | |
10 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,721 | +0.267% | 242 | |
11 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,117 | -0.018% | 217 | |
12 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,036 | +0.305% | 173 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,230 | +0.264% | 169 | |
14 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,117 | +0.436% | 156 | |
15 | Vellum Mortgage, Inc. | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,894 | +0.155% | 152 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,616 | +0.211% | 137 | |
17 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,329 | +0.295% | 72 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,820 | +0.416% | 62 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,452 | +0.263% | 58 | |
20 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,897 | +0.297% | 483 | |
21 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $2,505 | +0.159% | 287 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,227 | +0.017% | 180 | |
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 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,744 | +0.353% | 92 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,323 | +0.048% | 88 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,315 | +0.311% | 66 | |
28 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Strong | $3,458 | +0.521% | 60 | |
29 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,171 | +0.325% | 97 | |
30 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $3,659 | +0.244% | 54 | |
31 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,037 | +1.143% | 38 | |
32 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,755 | +0.224% | 32 | |
33 | MDE HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,313 | +0.201% | 29 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,873 | +0.330% | 29 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,713 | +0.181% | 223 | |
36 | FIDELITY DIRECT MORTGAGE, LLC | Strong | Mediocre | Strong | Exceptional | Strong | $3,622 | +0.310% | 71 | |
37 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,257 | +0.262% | 68 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,398 | +0.349% | 58 | |
39 | CITY LENDING INC. | Strong | Mediocre | Strong | Exceptional | Strong | $5,839 | +0.822% | 55 | |
40 | EQUITY RESOURCES, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,808 | +0.265% | 41 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $353 | -0.156% | 41 | |
42 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,099 | +0.564% | 30 | |
43 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,806 | +0.534% | 45 | |
44 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,930 | +0.306% | 42 |
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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