# Best Mortgage Lenders in Hagerstown

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

Compare the top mortgage lenders in Hagerstown. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/hagerstown/best-mortgage-lenders


> **📋 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:** 81
- **Total Loans:** 4,132
- **Median Rate Spread:** 0.331475%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 216 | Independent Mortgage Company |
| 2 | City National Bank of West Virginia | 80 | 61 | 70 | 69 | Bank |
| 3 | Truist Bank | 80 | 70 | 68 | 49 | Bank |
| 4 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 99 | Credit Union |
| 5 | INTERCOASTAL MORTGAGE, LLC | 78 | 49 | 81 | 55 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 389 | Independent Mortgage Company |
| 7 | Integrity Home Mortgage Corporation | 74 | 22 | 83 | 358 | Independent Mortgage Company |
| 8 | HOMESPIRE MORTGAGE CORPORATION | 74 | 25 | 84 | 226 | Independent Mortgage Company |
| 9 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 81 | Independent Mortgage Company |
| 10 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 57 | Independent Mortgage Company |
| 11 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 48 | Independent Mortgage Company |
| 12 | MILLENNIUM FINANCIAL GROUP, INC. | 73 | 44 | 61 | 39 | Independent Mortgage Company |
| 13 | Manufacturers and Traders Trust Company | 73 | 62 | 78 | 31 | Bank |
| 14 | Farmers and Merchants Trust Company of Chambersburg | 73 | 63 | 59 | 25 | Bank |
| 15 | First Heritage Mortgage, LLC | 71 | 51 | 89 | 40 | Independent Mortgage Company |
| 16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 125 | Independent Mortgage Company |
| 17 | Atlantic Coast Mortgage, LLC | 68 | 37 | 84 | 100 | Independent Mortgage Company |
| 18 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 56 | Independent Mortgage Company |
| 19 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 49 | Independent Mortgage Company |
| 20 | Towne Bank | 68 | 37 | 80 | 47 | Bank |
| 21 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 27 | Independent Mortgage Company |
| 22 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 27 | Bank |
| 23 | United Bank | 66 | 54 | 76 | 25 | Bank |
| 24 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 66 | 71 | 58 | 20 | Credit Union |
| 25 | Mortgage Research Center, LLC | 63 | 34 | 70 | 110 | Independent Mortgage Company |
| 26 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 81 | Independent Mortgage Company |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 64 | Independent Mortgage Company |
| 28 | Shore United Bank, N.A. | 63 | 37 | 63 | 51 | Bank |
| 29 | EMBRACE HOME LOANS, INC. | 63 | 31 | 74 | 50 | Independent Mortgage Company |
| 30 | Prosperity Home Mortgage, LLC | 63 | 37 | 77 | 48 | Independent Mortgage Company |
| 31 | NFM, INC. | 62 | 23 | 87 | 41 | Independent Mortgage Company |
| 32 | MOVEMENT MORTGAGE, LLC | 62 | 32 | 84 | 38 | Independent Mortgage Company |
| 33 | T2 FINANCIAL LLC | 62 | 26 | 86 | 34 | Independent Mortgage Company |
| 34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 27 | Independent Mortgage Company |
| 35 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 20 | Independent Mortgage Company |
| 36 | NEWREZ LLC | 58 | 35 | 59 | 47 | Independent Mortgage Company |
| 37 | LOWER, LLC | 58 | 30 | 71 | 39 | Independent Mortgage Company |
| 38 | Presidential Bank, FSB | 58 | 26 | 76 | 30 | Bank |
| 39 | RMC HOME MORTGAGE, LLC | 58 | 26 | 64 | 26 | Independent Mortgage Company |
| 40 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 26 | Independent Mortgage Company |
| 41 | Paramount Residential Mortgage Group, Inc. | 58 | 27 | 72 | 24 | Independent Mortgage Company |
| 42 | BAY CAPITAL MORTGAGE CORPORATION | 58 | 32 | 71 | 23 | Independent Mortgage Company |
| 43 | MICHIGAN MUTUAL, INC. | 58 | 32 | 73 | 22 | Independent Mortgage Company |
| 44 | FIRST HOME MORTGAGE CORPORATION | 54 | 18 | 88 | 105 | Independent Mortgage Company |
| 45 | DIRECT MORTGAGE LOANS, LLC | 54 | 17 | 80 | 56 | Independent Mortgage Company |
| 46 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 23 | Independent Mortgage Company |
| 47 | CITY LENDING INC. | 46 | 9 | 71 | 27 | Independent Mortgage Company |
| 48 | GO MORTGAGE, LLC | 46 | 19 | 62 | 26 | Independent Mortgage Company |
| 49 | AMERISAVE MORTGAGE CORPORATION | 36 | 18 | 27 | 29 | 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 Hagerstown.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.