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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 VA 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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,445 | +0.103% | 637 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $301 | -0.562% | 243 | |
3 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | -$197 | -0.291% | 55 | |
4 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,615 | +0.174% | 435 | |
5 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,232 | +0.067% | 336 | |
6 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,680 | +0.118% | 272 | |
7 | Sandy Spring Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,059 | +0.105% | 193 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,227 | +0.017% | 180 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,878 | -0.111% | 153 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,286 | +0.077% | 140 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $593 | -0.050% | 73 | |
12 | HOMESPIRE MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,117 | +0.436% | 156 | |
13 | Shore United Bank, N.A. | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,805 | +0.159% | 117 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,464 | +0.196% | 112 | |
15 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,323 | +0.048% | 88 | |
16 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,202 | +0.328% | 63 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,736 | +0.140% | 988 | |
18 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,897 | +0.297% | 483 | |
19 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,846 | +0.103% | 222 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,230 | +0.264% | 169 | |
21 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Exceptional | $2,894 | +0.155% | 152 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,856 | +0.059% | 110 | |
23 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | Strong | $2,701 | +0.077% | 71 | |
24 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,460 | -0.259% | 36 | |
25 | PENTAGON FEDERAL CREDIT UNION | Strong | Strong | Exceptional | Sound | Sound | $3,252 | -0.243% | 35 | |
26 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,505 | +0.159% | 287 | |
27 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,117 | -0.018% | 217 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,036 | +0.305% | 173 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,616 | +0.211% | 137 | |
30 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Strong | $1,644 | +0.067% | 43 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $353 | -0.156% | 41 | |
32 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,721 | +0.267% | 242 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,713 | +0.181% | 223 | |
34 | Presidential Bank, FSB | Strong | Acceptable | Strong | Exceptional | Strong | $3,637 | +0.222% | 124 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,315 | +0.311% | 66 | |
36 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Strong | $3,458 | +0.521% | 60 | |
37 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,832 | +0.017% | 31 | |
38 | MDE HOME LOANS, LLC | Strong | Sound | Sound | Strong | Strong | $1,313 | +0.201% | 29 | |
39 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,171 | +0.325% | 97 | |
40 | THE MORTGAGE LINK, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,744 | +0.353% | 92 |
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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