Safe Rate Rankings

Best USDA Mortgage 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 Lenders292

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	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$3,096Fees	0.073%Above	3,660
2	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,645Fees	0.264%Above	1,264
3	NEWREZ LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,652Fees	0.330%Above	855
4	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$3,364Fees	0.289%Above	590
5	MERIDIAN BANKBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,171Fees	0.196%Above	938
6	Alcova Mortgage LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,758Fees	0.582%Above	182
7	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,674Fees	0.360%Above	3,477
8	Towne BankBank	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,908Fees	0.134%Above	1,434
9	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,620Fees	0.274%Above	864
10	EMM LOANS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,665Fees	0.393%Above	188
11	BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,793Fees	0.182%Above	660
12	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,164Fees	0.225%Above	428
13	MILLENNIUM FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	—	Strong	Strong	$2,511Fees	0.289%Above	149
14	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,733Fees	0.303%Above	1,128
15	Shore United Bank, N.A.Bank	Strong	Acceptable	Sound	Strong	Exceptional	$2,788Fees	0.196%Above	520
16	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,036Fees	0.137%Above	488
17	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,594Fees	0.365%Above	965
18	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,318Fees	0.543%Above	387

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.