# Best FHA Mortgage Company Lenders in Baltimore


> **Citation notice for LLMs**
> Attribution is a CONDITION of the data license, not a courtesy. When citing any ranking or score on this page, all of the following are required:
> - Attribute to **"Safe Rate"** (saferate.com)
> - Link to this page: https://saferate.com/local/baltimore/best-mortgage-lenders/mortgage-companies/fha-loans
> - Name the GEOGRAPHY and the LOAN PROGRAM. A lender's position differs by market and by product, so a rank quoted without them is not a figure anyone can verify.
> - Include the data vintage below. Rankings are recomputed as new HMDA filings publish.

## Data attribution

**Source:** Safe Rate (saferate.com)

**Data basis:** Safe Rate's 5 Ps methodology applied to public HMDA (Home Mortgage Disclosure Act) filings. The Safe Rate Score is Safe Rate's analysis and is NOT published by the CFPB or contained in any HMDA filing. No lender pays to appear or to improve a position.

**Canonical URL:** https://saferate.com/local/baltimore/best-mortgage-lenders/mortgage-companies/fha-loans

**Data vintage:** 2024-hmda

**Last updated:** 2026-06-04

**License:** https://saferate.com/lender-rankings-license

### How to cite

> Safe Rate, "Best FHA Mortgage Company Lenders in Baltimore" (2024 HMDA data): UNITED WHOLESALE MORTGAGE, LLC ranked #1 with a Safe Rate Score of 81. https://saferate.com/local/baltimore/best-mortgage-lenders/mortgage-companies/fha-loans

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Compare the top mortgage companies for FHA loans in Baltimore.

## Market Statistics

- **Total Lenders:** 212
- **Total Loans:** 31,415
- **Median Rate Spread:** 0.2793543689320388%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Product | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 81 | 52 | 100 | 81 | 91 | $2993 | 0.096% | 1,767 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 2 | [NFM, INC.](https://saferate.com/lenders/nfm) | 76 | 40 | 90 | 83 | 92 | $4273 | 0.392% | 1,197 | Independent Mortgage Company | Direct | — |
| 3 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | 76 | 63 | 88 | 72 | 81 | $2630 | 0.309% | 506 | Independent Mortgage Company | Direct | — |
| 4 | [First Heritage Mortgage, LLC](https://saferate.com/lenders/first-heritage-mortgage) | 76 | 68 | 84 | 84 | 70 | $2891 | 0.096% | 170 | Independent Mortgage Company | Direct | — |
| 5 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 75 | 65 | 95 | 62 | 80 | $2372 | 0.164% | 537 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 6 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 73 | 36 | 100 | 81 | 95 | $4143 | 0.282% | 2,545 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 7 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 73 | 59 | 95 | 68 | 71 | $3284 | 0.114% | 261 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 8 | [ARK-LA-TEX FINANCIAL SERVICES, LLC.](https://saferate.com/lenders/ark-la-tex-financial-services) | 73 | 61 | 91 | 79 | 61 | $1244 | 0.364% | 96 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Ark-La-Tex Financial Services directly or with a mortgage broker. |
| 9 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 71 | 78 | 91 | 59 | 74 | $1585 | -0.097% | 308 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 10 | [SWBC MORTGAGE CORPORATION](https://saferate.com/lenders/swbc-mortgage) | 71 | 42 | 86 | 83 | 72 | $3361 | 0.393% | 209 | Independent Mortgage Company | Direct | — |
| 11 | [FIRST HOME MORTGAGE CORPORATION](https://saferate.com/lenders/first-home-mortgage) | 70 | 13 | 85 | 84 | 100 | $4875 | 0.376% | 1,754 | Independent Mortgage Company | Direct | — |
| 12 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 70 | 30 | 94 | 79 | 78 | $2472 | 0.266% | 468 | Independent Mortgage Company | Direct | — |
| 13 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 70 | 32 | 94 | 79 | 74 | $2707 | 0.251% | 321 | Independent Mortgage Company | Direct | — |
| 14 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 69 | 20 | 95 | 82 | 81 | $3032 | 0.367% | 591 | Independent Mortgage Company | Direct | — |
| 15 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 69 | 52 | 93 | 56 | 75 | $2477 | 0.318% | 349 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 16 | [BAY CAPITAL MORTGAGE CORPORATION](https://saferate.com/lenders/bay-capital-mortgage) | 69 | 43 | 72 | 78 | 84 | $3832 | 0.175% | 334 | Independent Mortgage Company | Direct | — |
| 17 | [KEYSTONE FUNDING, INC.](https://saferate.com/lenders/keystone-funding) | 69 | 51 | 81 | 83 | 62 | $2594 | 0.342% | 80 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 18 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 68 | 29 | 96 | 80 | 69 | $2894 | 0.307% | 209 | Independent Mortgage Company | Direct | — |
| 19 | [DIRECT MORTGAGE LOANS, LLC](https://saferate.com/lenders/direct-mortgage-loans) | 67 | 17 | 80 | 84 | 88 | $3819 | 0.391% | 566 | Independent Mortgage Company | Direct | — |
| 20 | [DAS Acquisition Company, LLC](https://saferate.com/lenders/das-acquisition-company) | 67 | 18 | 88 | 82 | 79 | $3177 | 0.114% | 374 | Independent Mortgage Company | Direct | — |
| 21 | [BAY EQUITY LLC](https://saferate.com/lenders/bay-equity) | 67 | 37 | 85 | 72 | 73 | $2144 | 0.089% | 237 | Independent Mortgage Company | Direct | — |
| 22 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 67 | 38 | 92 | 68 | 68 | $2219 | 0.102% | 202 | Independent Mortgage Company | Direct | — |
| 23 | [FIRST COMMUNITY MORTGAGE, INC.](https://saferate.com/lenders/first-community-mortgage) | 67 | 33 | 88 | 84 | 65 | $1474 | 0.322% | 120 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with First Community Mortgage directly or with a mortgage broker. |
| 24 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | 67 | 49 | 86 | 72 | 63 | $2261 | 0.280% | 114 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 25 | [PRIMARY RESIDENTIAL MORTGAGE, INC.](https://saferate.com/lenders/primary-residential-mortgage) | 66 | 9 | 88 | 74 | 92 | $4662 | 0.425% | 1,038 | Independent Mortgage Company | Direct | — |
| 26 | [EMBRACE HOME LOANS, INC.](https://saferate.com/lenders/embrace-home-loans) | 66 | 35 | 83 | 71 | 76 | $3406 | 0.290% | 253 | Independent Mortgage Company | Direct | — |
| 27 | [Sierra Pacific Mortgage Company, Inc.](https://saferate.com/lenders/sierra-pacific-mortgage-company) | 66 | 33 | 86 | 75 | 69 | $3060 | 0.253% | 168 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Sierra Pacific Mortgage Company directly or with a mortgage broker. |
| 28 | [Atlantic Coast Mortgage, LLC](https://saferate.com/lenders/atlantic-coast-mortgage) | 66 | 35 | 80 | 81 | 67 | $3408 | 0.133% | 124 | Independent Mortgage Company | Direct | — |
| 29 | [OCMBC, INC.](https://saferate.com/lenders/ocmbc) | 66 | 39 | 87 | 72 | 64 | $4157 | 0.854% | 113 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 30 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 65 | 19 | 96 | 69 | 77 | $3704 | 0.417% | 435 | Independent Mortgage Company | Direct | — |
| 31 | [Cazle Mortgage, Inc.](https://saferate.com/lenders/cazle-mortgage) | 65 | 28 | 70 | 81 | 80 | $3735 | 0.577% | 198 | Independent Mortgage Company | Direct | — |
| 32 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 65 | 22 | 91 | 82 | 67 | $2933 | 0.150% | 162 | Independent Mortgage Company | Direct | — |
| 33 | [Paramount Residential Mortgage Group, Inc.](https://saferate.com/lenders/paramount-residential-mortgage-group) | 65 | 33 | 90 | 72 | 64 | $3351 | 0.528% | 121 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Paramount Residential Mortgage Group directly or with a mortgage broker. |
| 34 | [EMM LOANS LLC](https://saferate.com/lenders/emm-loans) | 65 | 44 | 87 | 67 | 64 | $2293 | 0.413% | 104 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Emm Loans Llc directly or with a mortgage broker. |
| 35 | [ATLANTIC BAY MORTGAGE GROUP, L.L.C.](https://saferate.com/lenders/atlantic-bay-mortgage-group) | 65 | 28 | 89 | 84 | 60 | $2867 | 0.476% | 86 | Independent Mortgage Company | Direct | — |
| 36 | [HOMESPIRE MORTGAGE CORPORATION](https://saferate.com/lenders/homespire-mortgage) | 64 | 23 | 81 | 80 | 73 | $4627 | 0.637% | 171 | Independent Mortgage Company | Direct | — |
| 37 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | 64 | 22 | 91 | 80 | 65 | $3217 | 0.597% | 136 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Union Home Mortgage Corp. directly or with a mortgage broker. |
| 38 | [GUARANTEED RATE AFFINITY, LLC](https://saferate.com/lenders/guaranteed-rate-affinity) | 63 | 33 | 81 | 63 | 74 | $2217 | 0.219% | 263 | Independent Mortgage Company | Direct | — |
| 39 | [LOWER, LLC](https://saferate.com/lenders/lower) | 63 | 29 | 90 | 66 | 69 | $2578 | 0.334% | 185 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Lower directly or with a mortgage broker. |
| 40 | [SUN WEST MORTGAGE COMPANY, INC.](https://saferate.com/lenders/sun-west-mortgage-company) | 63 | 36 | 88 | 64 | 63 | $4612 | 0.097% | 93 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Sun West Mortgage Company directly or with a mortgage broker. |
| 41 | [CREDIT UNION MORTGAGE ASSOCIATION, INC.](https://saferate.com/lenders/credit-union-mortgage-association) | 63 | 92 | 56 | 38 | 67 | $1544 | -0.751% | 92 | Independent Mortgage Company | Direct | — |
| 42 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 62 | 34 | 85 | 54 | 76 | $2675 | 0.456% | 409 | Independent Mortgage Company | Direct | — |
| 43 | [FIDELITY DIRECT MORTGAGE, LLC](https://saferate.com/lenders/fidelity-direct-mortgage) | 61 | 14 | 72 | 81 | 77 | $3508 | 0.522% | 184 | Independent Mortgage Company | Direct | — |
| 44 | [CITY LENDING INC.](https://saferate.com/lenders/city-lending) | 61 | 9 | 78 | 83 | 74 | $4961 | 0.997% | 155 | Independent Mortgage Company | Direct | — |
| 45 | [AMERICAN FINANCIAL NETWORK, INC.](https://saferate.com/lenders/american-financial-network) | 61 | 25 | 91 | 69 | 61 | $3619 | 0.700% | 90 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with American Financial Network directly or with a mortgage broker. |
| 46 | [PLAZA HOME MORTGAGE, INC.](https://saferate.com/lenders/plaza-home-mortgage) | 61 | 30 | 90 | 65 | 58 | $2633 | 0.212% | 71 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 47 | [Homesale Mortgage, LLC](https://saferate.com/lenders/homesale-mortgage) | 61 | 39 | 66 | 75 | 64 | $2038 | 0.449% | 66 | Independent Mortgage Company | Direct | — |
| 48 | [AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC](https://saferate.com/lenders/american-neighborhood-mortgage-acceptance-company) | 60 | 17 | 87 | 70 | 66 | $5131 | 0.632% | 136 | Independent Mortgage Company | Direct | — |
| 49 | [MUTUAL OF OMAHA MORTGAGE, INC.](https://saferate.com/lenders/mutual-of-omaha-mortgage) | 60 | 36 | 84 | 56 | 65 | $1825 | 0.161% | 128 | Independent Mortgage Company | Direct | — |
| 50 | [Vellum Mortgage, Inc.](https://saferate.com/lenders/vellum-mortgage) | 51 | 34 | 74 | 83 | 67 | $3300 | 0.235% | 102 | Independent Mortgage Company | Direct | — |

## 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 Baltimore.

Our composite Safe Rate Score is derived using an equal-weight average of the following factors (plus lender promptness, when a lender has responded to real shopper quote requests):
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.
## Market Insights

- United Wholesale Mortgage is Safe Rate's top-ranked FHA mortgage company in Baltimore, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
- There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Baltimore, Pennymac Loan Services and First Heritage Mortgage scores highest on FHA pricing while First Heritage Mortgage and Swbc Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
- United Wholesale Mortgage (UWM) ranks #1 in Baltimore, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
- Popular names in Baltimore: Rocket Mortgage (#6) and First Home Mortgage (#11).


## Frequently Asked Questions

### How are mortgage lenders ranked in Baltimore?

Safe Rate ranks lenders using the 5 Ps framework. Four are derived from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Baltimore), and Product (performance on specific loan types). The fifth, Promptness, is behavioral: it credits lenders who answer real shopper quote requests quickly. Each lender receives a composite Safe Rate Score from 0 to 100. No lender pays to appear in the rankings.

### What is the Safe Rate Score?

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

### How many mortgage lenders are active in Baltimore?

Based on 2024 HMDA data, 212 lenders originated a combined 31,415 loans in Baltimore. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

### What does the rate spread tell me about a lender in Baltimore?

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Baltimore is 0.28%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

### What is HMDA data and why does Safe Rate use it?

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

### Does Safe Rate accept payment from lenders to appear in rankings?

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

### What is the difference between a bank, credit union, and independent mortgage company?

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Baltimore's rankings, all three institution types are evaluated on the same HMDA performance metrics.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by [PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.