Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$435Fees	0.344%Below	172
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$784Fees	0.467%Below	113
3	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$259Credit	0.107%Below	110
4	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,701Fees	0.289%Below	98
5	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$677Fees	0.038%Below	64
6	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Strong	$265Fees	0.548%Below	50
7	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,924Fees	0.044%Above	334
8	Bank-Fund Staff Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Acceptable	Exceptional	$1,176Credit	0.114%Below	129
9	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,723Fees	0.136%Below	106
10	First Heritage Mortgage, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,956Fees	0.034%Above	58
11	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,447Fees	0.094%Below	47
12	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,264Fees	0.004%Above	40
13	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$920Credit	0.060%Below	33
14	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$34Fees	0.290%Below	19
15	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,920Fees	0.172%Above	288
16	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,186Fees	0.124%Above	121
17	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$77Fees	0.128%Below	91
18	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,906Fees	0.124%Above	63
19	United Nations Federal Credit UnionCredit Union	Strong	Exceptional	Sound	Acceptable	Strong	$605Fees	0.475%Below	40
20	CREDIT UNION MORTGAGE ASSOCIATION, INC.Independent Mortgage Company	Strong	Exceptional	Strong	Acceptable	Sound	$2,010Fees	0.475%Below	31
21	STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union	Strong	Strong	Strong	Strong	Sound	$1,521Fees	0.731%Below	22
22	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,927Fees	0.152%Above	211
23	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,391Fees	0.085%Above	134
24	Vellum Mortgage, Inc.Independent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,536Fees	0.102%Above	103
25	United BankBank	Strong	Sound	Strong	Strong	Strong	$1,763Fees	0.026%Above	83
26	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$2,613Fees	0.121%Above	68
27	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,681Fees	0.007%Above	51
28	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,810Fees	0.098%Below	44
29	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,066Fees	0.006%Above	33
30	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,749Fees	0.069%Above	26
31	FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$2,339Fees	0.242%Above	424
32	FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$4,059Fees	0.268%Above	322
33	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,584Fees	0.019%Below	144
34	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,356Fees	0.276%Above	122
35	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,369Fees	0.054%Above	115
36	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,199Fees	0.185%Above	82
37	Fulton Bank, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,386Fees	0.262%Above	53
38	Sandy Spring BankBank	Strong	Sound	Strong	Sound	Strong	$2,105Fees	0.062%Above	53
39	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,007Fees	0.147%Above	48
40	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$23Credit	0.105%Above	44
41	LOANSTEADY LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$416Fees	0.115%Below	44
42	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,563Fees	0.187%Above	25
43	Charles Schwab Bank, SSBBank	Strong	Sound	Strong	Strong	Sound	$977Fees	0.302%Below	14
44	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,277Fees	0.378%Above	113
45	Capital Bank, National AssociationBank	Strong	Sound	Sound	Sound	Strong	$3,089Fees	0.440%Above	95
46	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,224Fees	0.162%Above	32
47	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,657Fees	0.616%Above	23
48	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,663Fees	0.266%Above	19
49	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,565Fees	0.759%Above	13
50	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,928Fees	0.676%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.