🛡️

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 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	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	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,096	+0.073%	3,660
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,585	+0.384%	167
6	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,596	-0.080%	736
7	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,351	+0.397%	328
8	INTERCOASTAL MORTGAGE, LLC	Exceptional	Strong	Strong	Strong	Strong	$2,587	+0.103%	190
9	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,188	+0.266%	5,530
10	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,127	+0.416%	1,890
11	BAY CAPITAL MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	Exceptional	$3,793	+0.182%	660
12	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,341	+0.156%	652
13	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,546	+0.295%	198
14	EMM LOANS LLC	Strong	Sound	Exceptional	Strong	Strong	$2,665	+0.393%	188
15	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,733	+0.303%	1,128
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,181	+0.350%	976
17	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,652	+0.330%	855
18	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,148	+0.310%	806
19	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,703	+0.573%	503
20	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,036	+0.137%	488
21	Vellum Mortgage, Inc.	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,250	+0.234%	469
22	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,164	+0.225%	428
23	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,808	+0.575%	300
24	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,921	+0.447%	198
25	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,951	+0.434%	190
26	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,758	+0.582%	182
27	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,543	+0.303%	170
28	FIRST HOME MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,674	+0.360%	3,477
29	DIRECT MORTGAGE LOANS, LLC	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,122	+0.401%	881
30	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,620	+0.274%	864
31	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,093	+0.032%	617
32	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,330	+0.075%	602
33	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,364	+0.289%	590
34	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,649	+0.342%	558
35	FIRST SAVINGS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$2,699	+0.199%	478
36	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,342	+0.268%	424
37	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,961	+0.244%	262
38	OCMBC, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,957	+1.062%	254
39	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,829	+0.549%	235
40	Cazle Mortgage, Inc.	Strong	Acceptable	Strong	Exceptional	Strong	$3,946	+0.595%	233
41	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,850	+0.671%	190
42	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,209	+0.214%	185
43	THE MORTGAGE LINK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,712	+0.440%	180
44	SUN WEST MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,293	+0.172%	157
45	MILLENNIUM FINANCIAL GROUP, INC.	Strong	Sound	Sound	Strong	Strong	$2,511	+0.289%	149
46	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$2,613	+0.295%	146
47	Integrity Home Mortgage Corporation	Strong	Acceptable	Exceptional	Strong	Strong	$3,530	+0.543%	144
48	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,231	+0.584%	982
49	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Strong	$1,802	+0.116%	279
50	EQUITY RESOURCES, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,634	+0.165%	158

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

MarylandFHA

No credit impact

3-minute process

100% free