# Best VA Mortgage Lenders in Frederick

**As of:** 2026-05-22

Compare the top VA mortgage lenders in Frederick. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/frederick/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 148
- **Total Loans:** 13,067
- **Median Rate Spread:** 0.15629655172413792%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 637 | Independent Mortgage Company |
| 2 | Prosperity Home Mortgage, LLC | 89 | 64 | 73 | 435 | Independent Mortgage Company |
| 3 | NBKC BANK | 89 | 91 | 75 | 55 | Bank |
| 4 | Towne Bank | 88 | 41 | 82 | 336 | Bank |
| 5 | First Heritage Mortgage, LLC | 88 | 52 | 90 | 272 | Independent Mortgage Company |
| 6 | NAVY FEDERAL CREDIT UNION | 88 | 91 | 59 | 243 | Credit Union |
| 7 | Sandy Spring Bank | 85 | 63 | 73 | 193 | Bank |
| 8 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 180 | Independent Mortgage Company |
| 9 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 153 | Independent Mortgage Company |
| 10 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 140 | Independent Mortgage Company |
| 11 | U.S. Bank National Association | 85 | 71 | 65 | 73 | Bank |
| 12 | HOMESPIRE MORTGAGE CORPORATION | 83 | 50 | 85 | 156 | Independent Mortgage Company |
| 13 | Shore United Bank, N.A. | 83 | 42 | 84 | 117 | Bank |
| 14 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 112 | Independent Mortgage Company |
| 15 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 88 | Independent Mortgage Company |
| 16 | SWBC MORTGAGE CORPORATION | 83 | 45 | 85 | 63 | Independent Mortgage Company |
| 17 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 988 | Independent Mortgage Company |
| 18 | FIRST HOME MORTGAGE CORPORATION | 80 | 29 | 86 | 483 | Independent Mortgage Company |
| 19 | Atlantic Coast Mortgage, LLC | 80 | 37 | 86 | 222 | Independent Mortgage Company |
| 20 | NEWREZ LLC | 79 | 47 | 63 | 169 | Independent Mortgage Company |
| 21 | Vellum Mortgage, Inc. | 79 | 50 | 79 | 152 | Independent Mortgage Company |
| 22 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 110 | Independent Mortgage Company |
| 23 | INTERCOASTAL MORTGAGE, LLC | 79 | 46 | 81 | 71 | Independent Mortgage Company |
| 24 | FIRST SAVINGS MORTGAGE CORPORATION | 75 | 36 | 84 | 287 | Independent Mortgage Company |
| 25 | BAY EQUITY LLC | 75 | 38 | 73 | 217 | Independent Mortgage Company |
| 26 | NFM, INC. | 75 | 40 | 83 | 173 | Independent Mortgage Company |
| 27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 137 | Independent Mortgage Company |
| 28 | MERIDIAN BANK | 74 | 47 | 78 | 43 | Bank |
| 29 | MUTUAL OF OMAHA MORTGAGE, INC. | 73 | 46 | 60 | 41 | Independent Mortgage Company |
| 30 | USAA Federal Savings Bank | 73 | 62 | 58 | 36 | Bank |
| 31 | PENTAGON FEDERAL CREDIT UNION | 73 | 66 | 58 | 35 | Credit Union |
| 32 | EMBRACE HOME LOANS, INC. | 71 | 38 | 77 | 242 | Independent Mortgage Company |
| 33 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 223 | Independent Mortgage Company |
| 34 | Presidential Bank, FSB | 71 | 39 | 82 | 124 | Bank |
| 35 | Mortgage Research Center, LLC | 71 | 34 | 61 | 82 | Independent Mortgage Company |
| 36 | GUILD MORTGAGE COMPANY LLC | 71 | 22 | 77 | 66 | Independent Mortgage Company |
| 37 | Integrity Home Mortgage Corporation | 71 | 40 | 80 | 60 | Independent Mortgage Company |
| 38 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 70 | 33 | 85 | 31 | Independent Mortgage Company |
| 39 | MDE HOME LOANS, LLC | 69 | 51 | 64 | 29 | Independent Mortgage Company |
| 40 | DIRECT MORTGAGE LOANS, LLC | 57 | 6 | 70 | 97 | Independent Mortgage Company |
| 41 | THE MORTGAGE LINK, INC. | 57 | 11 | 75 | 92 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Frederick.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.