Safe Rate Rankings

Best Mortgage Lenders in Salisbury

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 Lenders29

Total Loans1,005

Median Rate Spread0.41%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union	Strong	Strong	Sound	Exceptional	$1,425Fees	0.001%Below	35
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,801Fees	0.169%Above	38
3	Truist BankBank	Strong	Strong	Strong	Sound	$1,433Fees	0.010%Below	20
4	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,050Fees	0.371%Above	143
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,508Fees	0.457%Above	127
6	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,272Fees	0.448%Above	113
7	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,951Fees	0.549%Above	29
8	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$4,563Fees	0.505%Above	59
9	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,899Fees	0.406%Above	41
10	BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,081Fees	0.252%Above	29
11	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,527Fees	2.164%Above	24
12	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,918Fees	0.585%Above	23
13	DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$4,667Fees	0.615%Above	21
14	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,137Fees	0.356%Above	31
15	Waterstone Mortgage CorporationIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$5,352Fees	0.748%Above	22

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.