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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 VA Mortgage Lenders in Maryland
Updated February 6, 2026
Market Overview
292
Total Lenders
69,793
Total Loans
0.27%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,096 | +0.073% | 3,660 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $679 | -0.463% | 1,512 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,645 | +0.264% | 1,264 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,639 | +0.171% | 1,175 | |
5 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,265 | +0.217% | 486 | |
6 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,908 | +0.134% | 1,434 | |
7 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,650 | +0.067% | 1,197 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,733 | +0.303% | 1,128 | |
9 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,819 | +0.091% | 891 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,596 | -0.080% | 736 | |
11 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,330 | +0.075% | 602 | |
12 | Sandy Spring Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,800 | +0.179% | 543 | |
13 | United Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,055 | -0.012% | 498 | |
14 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,342 | +0.268% | 424 | |
15 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $464 | +0.017% | 220 | |
16 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,850 | +0.671% | 190 | |
17 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$428 | -0.061% | 1,241 | |
18 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,620 | +0.274% | 864 | |
19 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $592 | +0.040% | 748 | |
20 | First National Bank of Pennsylvania | Exceptional | Strong | Strong | Strong | Strong | $1,479 | +0.026% | 552 | |
21 | Shore United Bank, N.A. | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,788 | +0.196% | 520 | |
22 | HOMESPIRE MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,703 | +0.573% | 503 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,164 | +0.225% | 428 | |
24 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,351 | +0.397% | 328 | |
25 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,982 | -0.185% | 212 | |
26 | PENTAGON FEDERAL CREDIT UNION | Exceptional | Strong | Exceptional | Sound | Strong | $2,884 | -0.205% | 168 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,585 | +0.384% | 167 | |
28 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,188 | +0.266% | 5,530 | |
29 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,674 | +0.360% | 3,477 | |
30 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,127 | +0.416% | 1,890 | |
31 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Exceptional | $2,171 | +0.196% | 938 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,652 | +0.330% | 855 | |
33 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,341 | +0.156% | 652 | |
34 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Exceptional | $3,250 | +0.234% | 469 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,802 | +0.116% | 279 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,829 | +0.549% | 235 | |
37 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,768 | +0.233% | 230 | |
38 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | Strong | $2,587 | +0.103% | 190 | |
39 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,209 | +0.214% | 185 | |
40 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,293 | +0.172% | 157 | |
41 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,468 | +0.185% | 155 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,181 | +0.350% | 976 | |
43 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,793 | +0.182% | 660 | |
44 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,036 | +0.137% | 488 | |
45 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,699 | +0.199% | 478 | |
46 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,318 | +0.543% | 387 | |
47 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,921 | +0.447% | 198 | |
48 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,951 | +0.434% | 190 | |
49 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,758 | +0.582% | 182 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,543 | +0.303% | 170 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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