# Best FHA Mortgage Lenders in Hagerstown

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

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

> **Canonical URL:** https://saferate.com/hagerstown/best-mortgage-lenders/fha-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:** 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 | 88 | 52 | 81 | 216 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 57 | Independent Mortgage Company |
| 3 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 48 | Independent Mortgage Company |
| 4 | Towne Bank | 83 | 58 | 82 | 47 | Bank |
| 5 | First Heritage Mortgage, LLC | 83 | 68 | 84 | 40 | Independent Mortgage Company |
| 6 | INTERCOASTAL MORTGAGE, LLC | 80 | 69 | 79 | 55 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 389 | Independent Mortgage Company |
| 8 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 81 | Independent Mortgage Company |
| 9 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 48 | Independent Mortgage Company |
| 10 | Manufacturers and Traders Trust Company | 79 | 74 | 65 | 31 | Bank |
| 11 | Integrity Home Mortgage Corporation | 75 | 23 | 79 | 358 | Independent Mortgage Company |
| 12 | HOMESPIRE MORTGAGE CORPORATION | 75 | 23 | 80 | 226 | Independent Mortgage Company |
| 13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 125 | Independent Mortgage Company |
| 14 | Atlantic Coast Mortgage, LLC | 75 | 35 | 81 | 100 | Independent Mortgage Company |
| 15 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 49 | Independent Mortgage Company |
| 16 | Shore United Bank, N.A. | 74 | 57 | 75 | 51 | Bank |
| 17 | Truist Bank | 74 | 75 | 53 | 49 | Bank |
| 18 | United Bank | 74 | 67 | 68 | 25 | Bank |
| 19 | NEWREZ LLC | 73 | 52 | 56 | 47 | Independent Mortgage Company |
| 20 | RMC HOME MORTGAGE, LLC | 73 | 45 | 71 | 26 | Independent Mortgage Company |
| 21 | MICHIGAN MUTUAL, INC. | 73 | 43 | 69 | 22 | Independent Mortgage Company |
| 22 | MERIDIAN BANK | 73 | 55 | 80 | 14 | Bank |
| 23 | KIND LENDING, LLC | 73 | 55 | 71 | 11 | Independent Mortgage Company |
| 24 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 75 | 81 | Independent Mortgage Company |
| 25 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 56 | Independent Mortgage Company |
| 26 | EMBRACE HOME LOANS, INC. | 71 | 35 | 71 | 50 | Independent Mortgage Company |
| 27 | NFM, INC. | 70 | 40 | 83 | 41 | Independent Mortgage Company |
| 28 | T2 FINANCIAL LLC | 70 | 29 | 82 | 34 | Independent Mortgage Company |
| 29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 70 | 20 | 82 | 27 | Independent Mortgage Company |
| 30 | MILLENNIUM FINANCIAL GROUP, INC. | 69 | 44 | 65 | 39 | Independent Mortgage Company |
| 31 | BAY CAPITAL MORTGAGE CORPORATION | 69 | 43 | 78 | 23 | Independent Mortgage Company |
| 32 | LOWER, LLC | 66 | 29 | 66 | 39 | Independent Mortgage Company |
| 33 | MOVEMENT MORTGAGE, LLC | 66 | 30 | 79 | 38 | Independent Mortgage Company |
| 34 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 24 | Independent Mortgage Company |
| 35 | CMG MORTGAGE, INC. | 66 | 32 | 79 | 20 | Independent Mortgage Company |
| 36 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 25 | 69 | 19 | Independent Mortgage Company |
| 37 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 16 | Independent Mortgage Company |
| 38 | Vellum Mortgage, Inc. | 66 | 34 | 83 | 15 | Independent Mortgage Company |
| 39 | THE MORTGAGE LINK, INC. | 66 | 23 | 80 | 11 | Independent Mortgage Company |
| 40 | FIRST HOME MORTGAGE CORPORATION | 63 | 13 | 84 | 105 | Independent Mortgage Company |
| 41 | DIRECT MORTGAGE LOANS, LLC | 63 | 17 | 84 | 56 | Independent Mortgage Company |
| 42 | Presidential Bank, FSB | 63 | 31 | 78 | 30 | Bank |
| 43 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 29 | Independent Mortgage Company |
| 44 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 19 | Independent Mortgage Company |
| 45 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 64 | Independent Mortgage Company |
| 46 | EVERETT FINANCIAL, INC. | 59 | 9 | 80 | 19 | Independent Mortgage Company |
| 47 | CITY LENDING INC. | 56 | 9 | 83 | 27 | Independent Mortgage Company |
| 48 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 26 | Independent Mortgage Company |
| 49 | FIDELITY DIRECT MORTGAGE, LLC | 56 | 14 | 81 | 13 | Independent Mortgage Company |
| 50 | GO MORTGAGE, LLC | 53 | 16 | 67 | 26 | 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. **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.