# FIRST HOME MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/first-home-mortgage


> **📋 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


FIRST HOME MORTGAGE CORPORATION is a independent mortgage company, headquartered in LUTHERVILLE-TIMONIUM, MD, serving borrowers across 16 states, with 5,362 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 12% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300GPO6DWUZR4UY30
- **Headquarters:** LUTHERVILLE-TIMONIUM, MD
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** CT, DC, DE, FL, GA, MA, MD, NC, NH, NJ, PA, RI, SC, TN, VA, WV
- **Markets (MSAs):** 23
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.381%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,432
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 5,362
- **Dollar Volume:** $2.2 billion
- **Applications Received:** 6,833
- **Market Share:** 15.00%

## Typical Borrower Profile

- **Average Loan Amount:** $408,870
- **Average Borrower Income:** $154,639
- **Average Property Value:** $497,475

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (69%)
- ⭐ **USDA Gold Superstar** (69%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 87/100 | 3,667 | +0.354% | $4,522 | Exceptional 🤩 |
| FHA | 85/100 | 978 | +0.807% | $4,662 | Exceptional 🤩 |
| VA | 85/100 | 605 | -0.188% | $3,246 | Exceptional 🤩 |
| Jumbo | 72/100 | 36 | +0.423% | $2,838 | Strong 😀 |
| USDA | 86/100 | 76 | +0.212% | $3,942 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,463 loans, Score: 88/100 (Exceptional)
- Refinance: 204 loans, Score: 72/100 (Strong)

**FHA:**
- Purchase: 921 loans, Score: 85/100 (Exceptional)
- Refinance: 57 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 591 loans, Score: 85/100 (Exceptional)

**Jumbo:**
- Purchase: 35 loans, Score: 73/100 (Strong)

**USDA:**
- Purchase: 76 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 88/100 | 5,086 | $2.1B | +0.383% | Exceptional 🤩 |
| Refinance | 72/100 | 276 | $109M | +0.358% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 3,477 | 4.93% | 100/100 |
| VA | 458 | 0.42% | 77/100 |
| NC | 405 | 0.27% | 70/100 |
| DC | 322 | 5.62% | 92/100 |
| MA | 183 | 0.30% | 66/100 |
| PA | 144 | 0.12% | 61/100 |
| SC | 126 | 0.16% | 64/100 |
| FL | 60 | 0.02% | 46/100 |
| RI | 58 | 0.54% | 62/100 |
| DE | 48 | 0.34% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Baltimore | MD | 1,754 | 100/100 |
| Washington, DC | DC-MD | 753 | 100/100 |
| Lexington Park, MD | MD | 489 | 100/100 |
| Frederick | MD | 483 | 98/100 |
| Non |  | 346 | 63/100 |
| Arlington | VA-WV | 297 | 77/100 |
| Raleigh | NC | 223 | 77/100 |
| Providence | RI-MA | 109 | 70/100 |
| Hagerstown | MD-WV | 105 | 76/100 |
| Charleston | SC | 100 | 71/100 |
| Boston, MA | MA | 94 | 65/100 |
| Richmond, VA | VA | 88 | 66/100 |
| York | PA | 69 | 65/100 |
| Salisbury, MD | MD | 59 | 84/100 |
| Durham | NC | 47 | 62/100 |

## Where This Lender Ranks

FIRST HOME MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Baltimore for USDA Loans
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Baltimore for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Lexington Park, MD for USDA Loans
  - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Lexington Park, MD for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Salisbury, MD for USDA Loans
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Salisbury, MD for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Salisbury, MD for VA Loans
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Salisbury, MD for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#6** in Maryland for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#6** in Lexington Park, MD for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in Maryland for USDA Loans
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/usda-loans)
- 🏆 **#7** in Washington DC for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#8** in Lexington Park, MD for VA Loans
  - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/va-loans)
- 🏆 **#8** in Washington DC for VA Loans
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/va-loans)
- 🏆 **#8** in Salisbury, MD Mortgage Companies
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Salisbury, MD for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in Charleston for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charleston/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in Salisbury, MD
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders)
- 🏆 **#11** in Baltimore for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#12** in Washington, DC for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does FIRST HOME MORTGAGE CORPORATION offer?

FIRST HOME MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIRST HOME MORTGAGE CORPORATION offer mortgages?

FIRST HOME MORTGAGE CORPORATION offers mortgages in 16 states: CT, DC, DE, FL, GA, MA, MD, NC, NH, NJ, PA, RI, SC, TN, VA, WV.

### How competitive are FIRST HOME MORTGAGE CORPORATION's mortgage rates?

FIRST HOME MORTGAGE CORPORATION has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.381% above market average.

### What type of lender is FIRST HOME MORTGAGE CORPORATION?

FIRST HOME MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in LUTHERVILLE-TIMONIUM, MD.

### What is FIRST HOME MORTGAGE CORPORATION's loan approval success rate?

FIRST HOME MORTGAGE CORPORATION has a pull-through score of 88/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-home-mortgage

### How to Cite

> "FIRST HOME MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-home-mortgage

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