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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 Company Lenders in Maryland
Updated February 6, 2026
Market Overview
50
Total Lenders
52,266
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,057 | -0.121% | 344 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,096 | +0.073% | 3,660 | |
3 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,819 | +0.091% | 891 | |
4 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Strong | Exceptional | Acceptable | Strong | $1,674 | -0.657% | 187 | |
5 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,639 | +0.171% | 1,175 | |
6 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Exceptional | $3,250 | +0.234% | 469 | |
7 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,587 | +0.103% | 190 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,585 | +0.384% | 167 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,188 | +0.266% | 5,530 | |
10 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,127 | +0.416% | 1,890 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,733 | +0.303% | 1,128 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,596 | -0.080% | 736 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,341 | +0.156% | 652 | |
14 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,093 | +0.032% | 617 | |
15 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,330 | +0.075% | 602 | |
16 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,703 | +0.573% | 503 | |
17 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | $2,634 | +0.165% | 158 | |
18 | MILLENNIUM FINANCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $2,511 | +0.289% | 149 | |
19 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,645 | +0.264% | 1,264 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,181 | +0.350% | 976 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,620 | +0.274% | 864 | |
22 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $3,148 | +0.310% | 806 | |
23 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,793 | +0.182% | 660 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,364 | +0.289% | 590 | |
25 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $3,036 | +0.137% | 488 | |
26 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,699 | +0.199% | 478 | |
27 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $3,203 | +0.123% | 451 | |
28 | FIDELITY DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,874 | +0.491% | 439 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,164 | +0.225% | 428 | |
30 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,351 | +0.397% | 328 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,808 | +0.575% | 300 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,802 | +0.116% | 279 | |
33 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,921 | +0.447% | 198 | |
34 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,951 | +0.434% | 190 | |
35 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $1,758 | +0.582% | 182 | |
36 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,543 | +0.303% | 170 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $2,613 | +0.295% | 146 | |
38 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $3,530 | +0.543% | 144 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,231 | +0.584% | 982 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,594 | +0.365% | 965 | |
41 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,649 | +0.342% | 558 | |
42 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,342 | +0.268% | 424 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,812 | +0.466% | 421 | |
44 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $2,961 | +0.244% | 262 | |
45 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $3,957 | +1.062% | 254 | |
46 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,829 | +0.549% | 235 | |
47 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,546 | +0.295% | 198 | |
48 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,850 | +0.671% | 190 | |
49 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $2,665 | +0.393% | 188 | |
50 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,209 | +0.214% | 185 |
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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