Safe Rate Rankings

Best All Lender Mortgage Lenders in Washington DC

Updated May 28, 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 Lenders77

Total Loans5,203

Median Rate Spread0.07%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank-Fund Staff Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Exceptional	$1,176Credit	0.114%Below	129
2	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$265Fees	0.548%Below	50
3	Citibank, National AssociationBank	Exceptional	Exceptional	Sound	Strong	$435Fees	0.344%Below	172
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$784Fees	0.467%Below	113
5	Truist BankBank	Strong	Strong	Strong	Strong	$259Credit	0.107%Below	110
6	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,701Fees	0.289%Below	98
7	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Strong	$77Fees	0.128%Below	91
8	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$677Fees	0.038%Below	64
9	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,447Fees	0.094%Below	47
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,924Fees	0.044%Above	334
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,391Fees	0.085%Above	134
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,723Fees	0.136%Below	106
13	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,613Fees	0.121%Above	68
14	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,956Fees	0.034%Above	58
15	United Nations Federal Credit UnionCredit Union	Strong	Strong	Sound	Strong	$605Fees	0.475%Below	40
16	U.S. Bank National AssociationBank	Strong	Strong	Strong	Sound	$920Credit	0.060%Below	33
17	CREDIT UNION MORTGAGE ASSOCIATION, INC.Independent Mortgage Company	Strong	Exceptional	Acceptable	Sound	$2,010Fees	0.475%Below	31
18	BETTER MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Exceptional	Acceptable	Sound	$104Credit	0.251%Below	22
19	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,920Fees	0.172%Above	288
20	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,584Fees	0.019%Below	144
21	Vellum Mortgage, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,536Fees	0.102%Above	103
22	United BankBank	Strong	Sound	Strong	Strong	$1,763Fees	0.026%Above	83
23	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,906Fees	0.124%Above	63
24	Sandy Spring BankBank	Strong	Sound	Strong	Strong	$2,105Fees	0.062%Above	53
25	Fulton Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,386Fees	0.262%Above	53
26	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,681Fees	0.007%Above	51
27	LOANSTEADY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$416Fees	0.115%Below	44
28	Ameris BankBank	Strong	Sound	Exceptional	Sound	$2,749Fees	0.069%Above	26
29	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union	Strong	Strong	Sound	Sound	$1,521Fees	0.731%Below	22
30	FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,339Fees	0.242%Above	424
31	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,927Fees	0.152%Above	211
32	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,186Fees	0.124%Above	121
33	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,369Fees	0.054%Above	115
34	Capital Bank, National AssociationBank	Strong	Sound	Sound	Strong	$3,089Fees	0.440%Above	95
35	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,199Fees	0.185%Above	82
36	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,649Fees	0.397%Above	53
37	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,810Fees	0.098%Below	44
38	TD Bank, National AssociationBank	Strong	Sound	Sound	Strong	$23Credit	0.105%Above	44
39	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Sound	$1,264Fees	0.004%Above	40
40	NATIONAL COOPERATIVE BANK, N.A.Bank	Strong	Sound	Sound	Strong	$791Fees	0.052%Below	34
41	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,424Fees	0.321%Above	28
42	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$4,059Fees	0.268%Above	322
43	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,356Fees	0.276%Above	122
44	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,703Fees	0.321%Above	63
45	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,007Fees	0.147%Above	48
46	Towne BankBank	Strong	Acceptable	Exceptional	Sound	$3,314Fees	0.155%Above	33
47	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$1,066Fees	0.006%Above	33
48	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,224Fees	0.162%Above	32
49	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$1,563Fees	0.187%Above	25
50	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,161Fees	0.201%Above	25

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.