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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 Maryland
Updated February 6, 2026
Market Overview
292
Total Lenders
69,793
Total Loans
0.27%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $679 | -0.463% | 1,512 | |
2 | ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Strong | $976 | -0.243% | 218 | |
3 | Truist Bank | Exceptional | Strong | Strong | Exceptional | -$428 | -0.061% | 1,241 | |
4 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | $592 | +0.040% | 748 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,057 | -0.121% | 344 | |
6 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $747 | -0.227% | 224 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,096 | +0.073% | 3,660 | |
8 | MERIDIAN BANK | Strong | Sound | Exceptional | Exceptional | $2,171 | +0.196% | 938 | |
9 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,819 | +0.091% | 891 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,920 | -0.162% | 643 | |
11 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | Strong | Strong | Sound | Exceptional | $1,306 | -0.294% | 609 | |
12 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $114 | +0.027% | 333 | |
13 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $464 | +0.017% | 220 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,650 | +0.067% | 1,197 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,639 | +0.171% | 1,175 | |
16 | Sandy Spring Bank | Strong | Sound | Strong | Exceptional | $1,800 | +0.179% | 543 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,957 | -0.014% | 531 | |
18 | United Bank | Strong | Sound | Strong | Exceptional | $2,055 | -0.012% | 498 | |
19 | Ameris Bank | Strong | Sound | Exceptional | Strong | $3,265 | +0.217% | 486 | |
20 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Exceptional | $3,250 | +0.234% | 469 | |
21 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,587 | +0.103% | 190 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,585 | +0.384% | 167 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,188 | +0.266% | 5,530 | |
24 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,127 | +0.416% | 1,890 | |
25 | Towne Bank | Strong | Acceptable | Exceptional | Exceptional | $2,908 | +0.134% | 1,434 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,733 | +0.303% | 1,128 | |
27 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,596 | -0.080% | 736 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,341 | +0.156% | 652 | |
29 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,093 | +0.032% | 617 | |
30 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,330 | +0.075% | 602 | |
31 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,479 | +0.026% | 552 | |
32 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,703 | +0.573% | 503 | |
33 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $2,595 | +0.247% | 361 | |
34 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,896 | +0.225% | 205 | |
35 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | $2,634 | +0.165% | 158 | |
36 | MILLENNIUM FINANCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $2,511 | +0.289% | 149 | |
37 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,645 | +0.264% | 1,264 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,181 | +0.350% | 976 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,620 | +0.274% | 864 | |
40 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $3,148 | +0.310% | 806 | |
41 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,793 | +0.182% | 660 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,364 | +0.289% | 590 | |
43 | Shore United Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $2,788 | +0.196% | 520 | |
44 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $3,036 | +0.137% | 488 | |
45 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,699 | +0.199% | 478 | |
46 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $3,203 | +0.123% | 451 | |
47 | FIDELITY DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,874 | +0.491% | 439 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,164 | +0.225% | 428 | |
49 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,351 | +0.397% | 328 | |
50 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,808 | +0.575% | 300 |
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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