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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 FHA 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 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,819 | +0.091% | 891 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,645 | +0.264% | 1,264 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,639 | +0.171% | 1,175 | |
4 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $592 | +0.040% | 748 | |
5 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Strong | $1,479 | +0.026% | 552 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,096 | +0.073% | 3,660 | |
7 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,908 | +0.134% | 1,434 | |
8 | Sandy Spring Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,800 | +0.179% | 543 | |
9 | United Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,055 | -0.012% | 498 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,585 | +0.384% | 167 | |
11 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$428 | -0.061% | 1,241 | |
12 | MERIDIAN BANK | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,171 | +0.196% | 938 | |
13 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,596 | -0.080% | 736 | |
14 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | Exceptional | Strong | Strong | Sound | Exceptional | $1,306 | -0.294% | 609 | |
15 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,351 | +0.397% | 328 | |
16 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Strong | Strong | $1,896 | +0.225% | 205 | |
17 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,587 | +0.103% | 190 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,188 | +0.266% | 5,530 | |
19 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,127 | +0.416% | 1,890 | |
20 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $3,793 | +0.182% | 660 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,341 | +0.156% | 652 | |
22 | Shore United Bank, N.A. | Strong | Sound | Strong | Strong | Exceptional | $2,788 | +0.196% | 520 | |
23 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,265 | +0.217% | 486 | |
24 | Fulton Bank, National Association | Strong | Strong | Strong | Sound | Strong | $2,595 | +0.247% | 361 | |
25 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $114 | +0.027% | 333 | |
26 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,768 | +0.233% | 230 | |
27 | Capital Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,764 | +0.230% | 199 | |
28 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,546 | +0.295% | 198 | |
29 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,665 | +0.393% | 188 | |
30 | PENTAGON FEDERAL CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $2,884 | -0.205% | 168 | |
31 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,468 | +0.185% | 155 | |
32 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,650 | +0.067% | 1,197 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,733 | +0.303% | 1,128 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,181 | +0.350% | 976 | |
35 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,652 | +0.330% | 855 | |
36 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,148 | +0.310% | 806 | |
37 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,703 | +0.573% | 503 | |
38 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,036 | +0.137% | 488 | |
39 | Vellum Mortgage, Inc. | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,250 | +0.234% | 469 | |
40 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,164 | +0.225% | 428 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,808 | +0.575% | 300 | |
42 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,921 | +0.447% | 198 | |
43 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,951 | +0.434% | 190 | |
44 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,758 | +0.582% | 182 | |
45 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,543 | +0.303% | 170 | |
46 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,620 | +0.274% | 864 | |
47 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,093 | +0.032% | 617 | |
48 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,330 | +0.075% | 602 | |
49 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,364 | +0.289% | 590 | |
50 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,649 | +0.342% | 558 |
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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