Safe Rate Rankings

Best Mortgage Lenders in Lexington Park

Updated February 5, 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 Lenders50

Total Loans2,468

Median Rate Spread0.18%

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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	$790Fees	0.489%Below	146
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,541Fees	0.476%Below	101
3	Truist BankBank	Strong	Strong	Strong	Sound	$1,640Fees	0.072%Above	28
4	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,321Fees	0.118%Below	75
5	Vellum Mortgage, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	$3,954Fees	0.388%Above	55
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,979Fees	0.101%Below	46
7	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$4,196Fees	0.072%Above	37
8	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,130Fees	0.098%Below	29
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,962Fees	0.195%Above	178
10	Towne BankBank	Strong	Acceptable	Exceptional	Strong	$2,997Fees	0.125%Above	108
11	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,735Fees	0.039%Above	62
12	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,003Fees	0.032%Below	55
13	Cedar Point Federal Credit UnionCredit Union	Strong	Sound	Sound	Strong	$2,298Fees	0.397%Above	31
14	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,793Fees	0.203%Below	23
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$5,410Fees	0.006%Above	22
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,535Fees	0.307%Below	21
17	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$4,418Fees	0.248%Above	489
18	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$152Credit	0.115%Below	89
19	BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,889Fees	0.119%Above	81
20	Shore United Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$1,735Fees	0.371%Above	48
21	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,839Fees	0.184%Above	38
22	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,478Fees	0.228%Above	38
23	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,719Fees	0.287%Above	37
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,980Fees	0.085%Above	26
25	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,895Fees	0.435%Above	40
26	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,814Fees	0.454%Above	20
27	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$5,014Fees	0.415%Above	79
28	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,479Fees	0.302%Above	41
29	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$4,632Fees	0.339%Above	32
30	Waterstone Mortgage CorporationIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$6,710Fees	0.373%Above	30
31	SOUTHERN TRUST MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$6,493Fees	0.061%Above	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)

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.