Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$790Fees	0.489%Below	146
2	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,640Fees	0.072%Above	28
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$3,688Fees	0.116%Below	12
4	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,130Fees	0.098%Below	29
5	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,937Fees	0.120%Below	17
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,962Fees	0.195%Above	178
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,541Fees	0.476%Below	101
8	Vellum Mortgage, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$3,954Fees	0.388%Above	55
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,979Fees	0.101%Below	46
10	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$4,196Fees	0.072%Above	37
11	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,793Fees	0.203%Below	23
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$5,410Fees	0.006%Above	22
13	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$4,326Fees	0.088%Above	19
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,521Fees	0.033%Below	14
15	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,442Fees	0.339%Above	13
16	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,418Fees	0.248%Above	489
17	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,321Fees	0.118%Below	75
18	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,735Fees	0.039%Above	62
19	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,003Fees	0.032%Below	55
20	MERIDIAN BANKBank	Strong	Sound	Strong	Strong	Sound	$3,490Fees	0.074%Above	12
21	Towne BankBank	Strong	Acceptable	Strong	Strong	Strong	$2,997Fees	0.125%Above	108
22	BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,889Fees	0.119%Above	81
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,895Fees	0.435%Above	40
24	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,839Fees	0.184%Above	38
25	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,478Fees	0.228%Above	38
26	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,632Fees	0.339%Above	32
27	Cedar Point Federal Credit UnionCredit Union	Strong	Sound	Acceptable	Strong	Strong	$2,298Fees	0.397%Above	31
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,980Fees	0.085%Above	26
29	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,535Fees	0.307%Below	21
30	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,814Fees	0.454%Above	20
31	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,794Fees	0.047%Above	19
32	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,592Fees	0.522%Above	16
33	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,014Fees	0.415%Above	79
34	Shore United Bank, N.A.Bank	Strong	Acceptable	Strong	Sound	Strong	$1,735Fees	0.371%Above	48
35	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,479Fees	0.302%Above	41
36	SOUTHERN TRUST MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$6,493Fees	0.061%Above	24
37	Presidential Bank, FSBBank	Strong	Acceptable	Strong	Strong	Sound	$2,295Fees	0.031%Below	17
38	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,719Fees	0.287%Above	37
39	Waterstone Mortgage CorporationIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$6,710Fees	0.373%Above	30
40	CORNERSTONE CAPITAL BANK, SSBBank	Sound	Mediocre	Exceptional	Strong	Sound	$5,417Fees	0.747%Above	15
41	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,307Fees	0.246%Above	12

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.