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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $679 | -0.463% | 1,512 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$428 | -0.061% | 1,241 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,057 | -0.121% | 344 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $747 | -0.227% | 224 | |
5 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,819 | +0.091% | 891 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,920 | -0.162% | 643 | |
7 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | Exceptional | Strong | Strong | Strong | Exceptional | $1,306 | -0.294% | 609 | |
8 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,479 | +0.026% | 552 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $114 | +0.027% | 333 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $464 | +0.017% | 220 | |
11 | ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Strong | $976 | -0.243% | 218 | |
12 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,650 | +0.067% | 1,197 | |
13 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $592 | +0.040% | 748 | |
14 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,957 | -0.014% | 531 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,188 | +0.266% | 5,530 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,096 | +0.073% | 3,660 | |
17 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Exceptional | $2,171 | +0.196% | 938 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,341 | +0.156% | 652 | |
19 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,093 | +0.032% | 617 | |
20 | United Bank | Strong | Sound | Strong | Strong | Exceptional | $2,055 | -0.012% | 498 | |
21 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,036 | +0.137% | 488 | |
22 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,265 | +0.217% | 486 | |
23 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Exceptional | $3,250 | +0.234% | 469 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,802 | +0.116% | 279 | |
25 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,896 | +0.225% | 205 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,209 | +0.214% | 185 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,585 | +0.384% | 167 | |
28 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,645 | +0.264% | 1,264 | |
29 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,649 | +0.418% | 1,253 | |
30 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,639 | +0.171% | 1,175 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,733 | +0.303% | 1,128 | |
32 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,596 | -0.080% | 736 | |
33 | Sandy Spring Bank | Strong | Sound | Strong | Sound | Exceptional | $1,800 | +0.179% | 543 | |
34 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,951 | +0.434% | 190 | |
35 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,587 | +0.103% | 190 | |
36 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,758 | +0.582% | 182 | |
37 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Strong | $2,634 | +0.165% | 158 | |
38 | Towne Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,908 | +0.134% | 1,434 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,181 | +0.350% | 976 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,594 | +0.365% | 965 | |
41 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,620 | +0.274% | 864 | |
42 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,793 | +0.182% | 660 | |
43 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,330 | +0.075% | 602 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,364 | +0.289% | 590 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,649 | +0.342% | 558 | |
46 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $4,703 | +0.573% | 503 | |
47 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $2,699 | +0.199% | 478 | |
48 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,203 | +0.123% | 451 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,164 | +0.225% | 428 | |
50 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,812 | +0.466% | 421 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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