Safe Rate Rankings

Best Conventional Mortgage Company Lenders in Maryland

Updated February 6, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders50

Total Loans69,793

Median Rate Spread0.27%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,057Fees	0.121%Below	344
2	First Heritage Mortgage, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,819Fees	0.091%Above	891
3	CREDIT UNION MORTGAGE ASSOCIATION, INC.Independent Mortgage Company	Exceptional	Exceptional	Strong	Acceptable	Strong	$1,674Fees	0.657%Below	187
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,188Fees	0.266%Above	5,530
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,096Fees	0.073%Above	3,660
6	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,341Fees	0.156%Above	652
7	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,093Fees	0.032%Above	617
8	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,036Fees	0.137%Above	488
9	Vellum Mortgage, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$3,250Fees	0.234%Above	469
10	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$1,802Fees	0.116%Above	279
11	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,209Fees	0.214%Above	185
12	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,585Fees	0.384%Above	167
13	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,645Fees	0.264%Above	1,264
14	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,649Fees	0.418%Above	1,253
15	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Exceptional	$2,639Fees	0.171%Above	1,175
16	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,733Fees	0.303%Above	1,128
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,596Fees	0.080%Below	736
18	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,951Fees	0.434%Above	190
19	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,587Fees	0.103%Above	190
20	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,758Fees	0.582%Above	182
21	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,634Fees	0.165%Above	158
22	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,674Fees	0.360%Above	3,477
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,181Fees	0.350%Above	976
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,594Fees	0.365%Above	965
25	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,620Fees	0.274%Above	864
26	BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,793Fees	0.182%Above	660
27	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,330Fees	0.075%Above	602
28	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,364Fees	0.289%Above	590
29	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,649Fees	0.342%Above	558
30	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$4,703Fees	0.573%Above	503
31	FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$2,699Fees	0.199%Above	478
32	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,203Fees	0.123%Above	451
33	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,164Fees	0.225%Above	428
34	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,812Fees	0.466%Above	421
35	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,351Fees	0.397%Above	328
36	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,808Fees	0.575%Above	300
37	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,961Fees	0.244%Above	262
38	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,829Fees	0.549%Above	235
39	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,546Fees	0.295%Above	198
40	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,921Fees	0.447%Above	198
41	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,850Fees	0.671%Above	190
42	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,665Fees	0.393%Above	188
43	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,543Fees	0.303%Above	170
44	MILLENNIUM FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	Strong	$2,511Fees	0.289%Above	149
45	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,613Fees	0.295%Above	146
46	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,652Fees	0.330%Above	855
47	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$3,148Fees	0.310%Above	806
48	THE MORTGAGE LINK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,712Fees	0.440%Above	180
49	SOUTHERN TRUST MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,055Fees	0.266%Above	151
50	Integrity Home Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,530Fees	0.543%Above	144

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.