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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 Conventional Mortgage Lenders in Salisbury
Updated February 6, 2026
Market Overview
29
Total Lenders
1,005
Total Loans
0.41%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | Exceptional | Strong | Strong | Strong | Exceptional | $1,425 | -0.001% | 35 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $707 | -0.294% | 12 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,433 | -0.010% | 20 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,508 | +0.457% | 127 | |
5 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,050 | +0.371% | 143 | |
6 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,272 | +0.448% | 113 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,801 | +0.169% | 38 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $3,789 | +0.284% | 11 | |
9 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,563 | +0.505% | 59 | |
10 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,899 | +0.406% | 41 | |
11 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Sound | $5,197 | +0.313% | 19 | |
12 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,936 | +0.712% | 13 | |
13 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,081 | +0.252% | 29 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,914 | +0.440% | 17 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Acceptable | $1,848 | +0.038% | 10 | |
16 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,137 | +0.356% | 31 | |
17 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,951 | +0.549% | 29 | |
18 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,918 | +0.585% | 23 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,718 | +0.840% | 10 | |
20 | Waterstone Mortgage Corporation | Sound | Mediocre | Exceptional | Strong | Sound | $5,352 | +0.748% | 22 | |
21 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,667 | +0.615% | 21 | |
22 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $4,481 | +0.517% | 19 |
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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Salisbury, MDConventional
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