Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$769Fees	0.316%Below	99
2	City National Bank of West VirginiaBank	Exceptional	Strong	Exceptional	Strong	Strong	$183Credit	0.329%Below	69
3	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,333Fees	0.162%Above	49
4	Farmers and Merchants Trust Company of ChambersburgBank	Exceptional	Strong	Strong	Strong	Strong	$1,181Fees	0.383%Above	25
5	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,562Fees	0.215%Above	18
6	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,069Fees	0.205%Below	12
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,470Fees	0.359%Above	389
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,586Fees	0.229%Above	216
9	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,577Fees	0.322%Above	100
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,088Fees	0.053%Above	81
11	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,852Fees	0.204%Above	40
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,348Fees	0.454%Above	27
13	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union	Strong	Strong	Strong	Strong	Sound	$2,043Fees	0.124%Below	20
14	PNC Bank, National AssociationBank	Strong	Strong	Exceptional	Strong	Acceptable	$765Fees	0.161%Above	10
15	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,607Fees	0.133%Above	55
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,681Fees	0.079%Below	48
17	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Sound	$1,630Fees	0.296%Above	31
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$3,142Fees	0.072%Above	19
19	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,682Fees	0.831%Above	16
20	Integrity Home Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$4,157Fees	0.544%Above	358
21	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,525Fees	0.282%Above	226
22	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,482Fees	0.053%Above	125
23	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,547Fees	0.440%Above	81
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,643Fees	0.338%Above	64
25	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,752Fees	0.523%Above	56
26	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,068Fees	0.467%Above	49
27	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,762Fees	0.186%Above	48
28	MILLENNIUM FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	Strong	$2,441Fees	0.239%Above	39
29	United BankBank	Strong	Sound	Strong	Strong	Sound	$1,846Fees	0.099%Above	25
30	Atlantic Union BankBank	Strong	Sound	Strong	Strong	Sound	$1,702Fees	0.017%Above	16
31	Vellum Mortgage, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$4,266Fees	0.617%Above	15
32	MERIDIAN BANKBank	Strong	Sound	Strong	Strong	Sound	$940Fees	0.308%Above	14
33	Apple Federal Credit UnionCredit Union	Strong	Strong	Sound	Sound	Sound	$1,085Fees	0.030%Above	10
34	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,928Fees	0.545%Above	105
35	Towne BankBank	Strong	Acceptable	Strong	Strong	Strong	$3,104Fees	0.252%Above	47
36	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,263Fees	0.482%Above	47
37	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,021Fees	0.397%Above	39
38	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,909Fees	0.238%Above	38
39	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,007Fees	0.330%Above	34
40	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,525Fees	0.284%Above	27
41	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,150Fees	0.622%Above	27
42	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,386Fees	0.934%Above	26
43	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,873Fees	0.375%Above	24
44	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,399Fees	0.235%Above	20
45	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,728Fees	0.653%Above	19
46	Fulton Bank, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,584Fees	0.325%Above	17
47	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,437Fees	0.667%Above	11
48	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,101Fees	0.135%Above	11
49	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,226Fees	1.008%Above	110
50	Shore United Bank, N.A.Bank	Strong	Acceptable	Strong	Sound	Strong	$3,861Fees	0.269%Above	51

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.