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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 VA 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	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$3,096	+0.073%	3,660
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	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,733	+0.303%	1,128
5	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,819	+0.091%	891
6	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,596	-0.080%	736
7	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,330	+0.075%	602
8	GUARANTEED RATE AFFINITY, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,342	+0.268%	424
9	AMERICAN FINANCIAL NETWORK, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,850	+0.671%	190
10	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,620	+0.274%	864
11	HOMESPIRE MORTGAGE CORPORATION	Exceptional	Sound	Strong	Exceptional	Exceptional	$4,703	+0.573%	503
12	PRIMELENDING, A PLAINSCAPITAL COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,164	+0.225%	428
13	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,351	+0.397%	328
14	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,585	+0.384%	167
15	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,188	+0.266%	5,530
16	FIRST HOME MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,674	+0.360%	3,477
17	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,127	+0.416%	1,890
18	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$2,652	+0.330%	855
19	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,341	+0.156%	652
20	Vellum Mortgage, Inc.	Strong	Sound	Strong	Strong	Exceptional	$3,250	+0.234%	469
21	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,802	+0.116%	279
22	Paramount Residential Mortgage Group, Inc.	Strong	Sound	Exceptional	Strong	Strong	$3,829	+0.549%	235
23	INTERCOASTAL MORTGAGE, LLC	Strong	Sound	Strong	Exceptional	Strong	$2,587	+0.103%	190
24	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,209	+0.214%	185
25	SUN WEST MORTGAGE COMPANY, INC.	Strong	Sound	Exceptional	Strong	Strong	$4,293	+0.172%	157
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,181	+0.350%	976
27	BAY CAPITAL MORTGAGE CORPORATION	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,793	+0.182%	660
28	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,036	+0.137%	488
29	FIRST SAVINGS MORTGAGE CORPORATION	Strong	Acceptable	Strong	Exceptional	Exceptional	$2,699	+0.199%	478
30	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$5,318	+0.543%	387
31	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,921	+0.447%	198
32	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,951	+0.434%	190
33	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,758	+0.582%	182
34	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,543	+0.303%	170
35	EQUITY RESOURCES, INC.	Strong	Sound	Strong	Strong	Strong	$2,634	+0.165%	158
36	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,231	+0.584%	982
37	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,594	+0.365%	965
38	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$3,148	+0.310%	806
39	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,093	+0.032%	617
40	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,364	+0.289%	590
41	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,649	+0.342%	558
42	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,203	+0.123%	451
43	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,812	+0.466%	421
44	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$3,808	+0.575%	300
45	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,961	+0.244%	262
46	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,665	+0.393%	188
47	MILLENNIUM FINANCIAL GROUP, INC.	Strong	Sound	—	Strong	Strong	$2,511	+0.289%	149
48	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$2,613	+0.295%	146
49	Integrity Home Mortgage Corporation	Strong	Acceptable	Exceptional	Strong	Strong	$3,530	+0.543%	144
50	ENVOY MORTGAGE, LTD	Strong	Acceptable	Exceptional	Sound	Strong	$2,960	+0.363%	269

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.

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