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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 Jumbo 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 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,306 | -0.294% | 609 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $679 | -0.463% | 1,512 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,920 | -0.162% | 643 | |
4 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,957 | -0.014% | 531 | |
5 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $747 | -0.227% | 224 | |
6 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $464 | +0.017% | 220 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$428 | -0.061% | 1,241 | |
8 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $592 | +0.040% | 748 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,330 | +0.075% | 602 | |
10 | WesBanco Bank, Inc. | Exceptional | Strong | Exceptional | Strong | Strong | $1,896 | +0.225% | 205 | |
11 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,188 | +0.266% | 5,530 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,096 | +0.073% | 3,660 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,650 | +0.067% | 1,197 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,733 | +0.303% | 1,128 | |
15 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,620 | +0.274% | 864 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,596 | -0.080% | 736 | |
17 | First National Bank of Pennsylvania | Strong | Sound | Exceptional | Strong | Strong | $1,479 | +0.026% | 552 | |
18 | Fulton Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,595 | +0.247% | 361 | |
19 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $114 | +0.027% | 333 | |
20 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$1,017 | +0.194% | 175 | |
21 | Towne Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,908 | +0.134% | 1,434 | |
22 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,645 | +0.264% | 1,264 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,341 | +0.156% | 652 | |
24 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,342 | +0.268% | 424 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,181 | +0.350% | 976 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,594 | +0.365% | 965 | |
27 | First Heritage Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,819 | +0.091% | 891 | |
28 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,148 | +0.310% | 806 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,364 | +0.289% | 590 | |
30 | Shore United Bank, N.A. | Strong | Acceptable | Strong | Strong | Exceptional | $2,788 | +0.196% | 520 | |
31 | United Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,055 | -0.012% | 498 | |
32 | DAS Acquisition Company, LLC | Strong | Sound | Strong | Sound | Strong | $3,203 | +0.123% | 451 | |
33 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,127 | +0.416% | 1,890 | |
34 | MERIDIAN BANK | Strong | Sound | Sound | Acceptable | Exceptional | $2,171 | +0.196% | 938 | |
35 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,652 | +0.330% | 855 | |
36 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | — | Strong | Exceptional | $3,793 | +0.182% | 660 | |
37 | Sandy Spring Bank | Strong | Acceptable | Strong | Sound | Exceptional | $1,800 | +0.179% | 543 | |
38 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,699 | +0.199% | 478 | |
39 | BAY EQUITY LLC | Strong | Acceptable | Strong | Sound | Strong | $2,093 | +0.032% | 617 | |
40 | CHURCHILL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,898 | +0.470% | 253 | |
41 | INTERCOASTAL MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,587 | +0.103% | 190 | |
42 | FIRST HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | Exceptional | $4,674 | +0.360% | 3,477 | |
43 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Exceptional | $4,649 | +0.418% | 1,253 | |
44 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $3,957 | +1.062% | 254 |
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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