🛡️

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 Company Lenders in Maryland

Updated February 6, 2026

Market Overview

Total Lenders

69,793

Total Loans

0.27%

Median Rate Spread

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

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

MarylandConventional

No credit impact

3-minute process

100% free