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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Lexington Park
Updated February 5, 2026
Market Overview
50
Total Lenders
2,468
Total Loans
0.18%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $790 | -0.489% | 146 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,541 | -0.476% | 101 | |
3 | Truist Bank | Strong | Strong | Strong | Sound | $1,640 | +0.072% | 28 | |
4 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,321 | -0.118% | 75 | |
5 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | $3,954 | +0.388% | 55 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,979 | -0.101% | 46 | |
7 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | $4,196 | +0.072% | 37 | |
8 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Sound | $2,130 | -0.098% | 29 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,962 | +0.195% | 178 | |
10 | Towne Bank | Strong | Acceptable | Exceptional | Strong | $2,997 | +0.125% | 108 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,735 | +0.039% | 62 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,003 | -0.032% | 55 | |
13 | Cedar Point Federal Credit Union | Strong | Sound | Sound | Strong | $2,298 | +0.397% | 31 | |
14 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,793 | -0.203% | 23 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $5,410 | +0.006% | 22 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,535 | -0.307% | 21 | |
17 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $4,418 | +0.248% | 489 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | -$152 | -0.115% | 89 | |
19 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,889 | +0.119% | 81 | |
20 | Shore United Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,735 | +0.371% | 48 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $3,839 | +0.184% | 38 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $3,478 | +0.228% | 38 | |
23 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,719 | +0.287% | 37 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $3,980 | +0.085% | 26 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $4,895 | +0.435% | 40 | |
26 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,814 | +0.454% | 20 | |
27 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $5,014 | +0.415% | 79 | |
28 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $3,479 | +0.302% | 41 | |
29 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $4,632 | +0.339% | 32 | |
30 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Sound | $6,710 | +0.373% | 30 | |
31 | SOUTHERN TRUST MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | $6,493 | +0.061% | 24 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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