Safe Rate Rankings

Best FHA 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	First Heritage Mortgage, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,819Fees	0.091%Above	891
2	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,645Fees	0.264%Above	1,264
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,639Fees	0.171%Above	1,175
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,096Fees	0.073%Above	3,660
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,585Fees	0.384%Above	167
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Sound	Strong	$1,596Fees	0.080%Below	736
7	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,351Fees	0.397%Above	328
8	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Strong	$2,587Fees	0.103%Above	190
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,188Fees	0.266%Above	5,530
10	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,127Fees	0.416%Above	1,890
11	BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$3,793Fees	0.182%Above	660
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,341Fees	0.156%Above	652
13	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,546Fees	0.295%Above	198
14	EMM LOANS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,665Fees	0.393%Above	188
15	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,733Fees	0.303%Above	1,128
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,181Fees	0.350%Above	976
17	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,652Fees	0.330%Above	855
18	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,148Fees	0.310%Above	806
19	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,703Fees	0.573%Above	503
20	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,036Fees	0.137%Above	488
21	Vellum Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,250Fees	0.234%Above	469
22	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,164Fees	0.225%Above	428
23	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,808Fees	0.575%Above	300
24	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,921Fees	0.447%Above	198
25	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,951Fees	0.434%Above	190
26	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,758Fees	0.582%Above	182
27	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,543Fees	0.303%Above	170
28	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,674Fees	0.360%Above	3,477
29	DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,122Fees	0.401%Above	881
30	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,620Fees	0.274%Above	864
31	BAY EQUITY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,093Fees	0.032%Above	617
32	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,330Fees	0.075%Above	602
33	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,364Fees	0.289%Above	590
34	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,649Fees	0.342%Above	558
35	FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$2,699Fees	0.199%Above	478
36	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,342Fees	0.268%Above	424
37	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,961Fees	0.244%Above	262
38	OCMBC, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,957Fees	1.062%Above	254
39	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,829Fees	0.549%Above	235
40	Cazle Mortgage, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Strong	$3,946Fees	0.595%Above	233
41	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,850Fees	0.671%Above	190
42	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,209Fees	0.214%Above	185
43	THE MORTGAGE LINK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,712Fees	0.440%Above	180
44	SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,293Fees	0.172%Above	157
45	MILLENNIUM FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	Strong	$2,511Fees	0.289%Above	149
46	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,613Fees	0.295%Above	146
47	Integrity Home Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,530Fees	0.543%Above	144
48	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,231Fees	0.584%Above	982
49	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,802Fees	0.116%Above	279
50	EQUITY RESOURCES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,634Fees	0.165%Above	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.