Safe Rate Rankings

Best All Lender Mortgage Lenders in Hagerstown

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders81

Total Loans4,132

Median Rate Spread0.33%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$769Fees	0.316%Below	99
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,586Fees	0.229%Above	216
3	City National Bank of West VirginiaBank	Strong	Strong	Strong	Strong	$183Credit	0.329%Below	69
4	Truist BankBank	Strong	Strong	Strong	Strong	$1,333Fees	0.162%Above	49
5	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,607Fees	0.133%Above	55
6	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Sound	$1,630Fees	0.296%Above	31
7	Farmers and Merchants Trust Company of ChambersburgBank	Strong	Strong	Sound	Strong	$1,181Fees	0.383%Above	25
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,470Fees	0.359%Above	389
9	Integrity Home Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,157Fees	0.544%Above	358
10	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,525Fees	0.282%Above	226
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,088Fees	0.053%Above	81
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,594Fees	0.460%Above	57
13	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,681Fees	0.079%Below	48
14	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,852Fees	0.204%Above	40
15	MILLENNIUM FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,441Fees	0.239%Above	39
16	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,348Fees	0.454%Above	27
17	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union	Strong	Strong	Sound	Sound	$2,043Fees	0.124%Below	20
18	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,482Fees	0.053%Above	125
19	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,577Fees	0.322%Above	100
20	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,752Fees	0.523%Above	56
21	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,068Fees	0.467%Above	49
22	Towne BankBank	Strong	Acceptable	Exceptional	Strong	$3,104Fees	0.252%Above	47
23	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$3,525Fees	0.284%Above	27
24	United BankBank	Strong	Sound	Strong	Sound	$1,846Fees	0.099%Above	25
25	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,226Fees	1.008%Above	110
26	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,547Fees	0.440%Above	81
27	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,643Fees	0.338%Above	64
28	Shore United Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$3,861Fees	0.269%Above	51
29	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,103Fees	0.315%Above	50
30	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,762Fees	0.186%Above	48
31	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$4,176Fees	0.632%Above	41
32	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,909Fees	0.238%Above	38
33	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,007Fees	0.330%Above	34
34	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,150Fees	0.622%Above	27
35	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,399Fees	0.235%Above	20
36	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,928Fees	0.545%Above	105
37	DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$5,012Fees	0.552%Above	56
38	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,263Fees	0.482%Above	47
39	LOWER, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,021Fees	0.397%Above	39
40	Presidential Bank, FSBBank	Sound	Acceptable	Strong	Sound	$3,181Fees	0.425%Above	30
41	RMC HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,319Fees	0.149%Above	26
42	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,386Fees	0.934%Above	26
43	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,873Fees	0.375%Above	24
44	BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,714Fees	0.297%Above	23
45	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,175Fees	0.105%Above	22
46	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,127Fees	0.586%Above	23
47	CITY LENDING INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,588Fees	1.142%Above	27
48	GO MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,628Fees	0.352%Above	26
49	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$3,914Fees	0.754%Above	29

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.