Safe Rate Rankings

Best FHA 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%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,899Fees	0.406%Above	41
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,801Fees	0.169%Above	38
3	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union	Exceptional	Strong	Strong	Sound	Exceptional	$1,425Fees	0.001%Below	35
4	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$3,011Fees	0.568%Above	18
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,508Fees	0.457%Above	127
6	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,050Fees	0.371%Above	143
7	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,272Fees	0.448%Above	113
8	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,951Fees	0.549%Above	29
9	BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,081Fees	0.252%Above	29
10	MERIDIAN BANKBank	Strong	Sound	Exceptional	Strong	Sound	$5,197Fees	0.313%Above	19
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,500Fees	0.818%Above	15
12	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,563Fees	0.505%Above	59
13	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,936Fees	0.712%Above	13
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,275Fees	0.286%Above	13
15	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$3,273Fees	0.421%Above	11
16	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,918Fees	0.585%Above	23
17	DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,667Fees	0.615%Above	21
18	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,137Fees	0.356%Above	31
19	Waterstone Mortgage CorporationIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$5,352Fees	0.748%Above	22
20	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,516Fees	0.019%Above	12

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.