Find a better mortgage lender

Top FHA lenders in Maryland (2025)

Lenders handling the most FHA applications. FHA loans allow 3.5% down and lower credit scores; a lender that does a lot of them has the underwriting muscle for it.

227kApplications in MD
24.1%State decision denial rate
6.63%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
Maryland ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeFHA applicationsApplicationsDenial rateMedian rate
1 United Shore Financial ServicesPlymouth, MI B 2,554 9,307 16.0% 6.13%
2 Freedom MortgageBoca Raton, FL B 2,341 5,078 7.2% 6.25%
3 Rocket MortgagePlymouth, MI C 2,132 12,806 16.8% 6.63%
4 Pennymac Loan ServicesWestlake Village, CA C 1,647 5,411 12.4% 6.49%
5 NewrezWilmington, DE D 1,380 5,739 21.0% 6.63%
6 Broker SolutionsTustin, CA D 1,071 2,247 12.9% 6.75%
7 NVR Mortgage FinanceReston, VA B 939 2,739 19.7% 6.25%
8 First Home MortgageBaltimore, MD B 928 4,496 2.1% 6.63%
9 Crosscountry MortgageCleveland, OH B 678 2,741 4.3% 6.63%
10 NFMLinthicum, MD A 669 2,831 1.4% 6.63%
11 Carrington Mortgage ServicesOrange, CA D 648 1,617 51.7% 6.87%
12 Loandepot.ComIrvine, CA D 506 2,210 22.8% 6.63%
13 Lakeview Loan ServicingCoral Gables, FL C 493 1,126 57.6% 5.99%
14 Dhi Mortgage CompanyArlington, TX B 479 1,140 13.8% 5.50%
15 Towne BankPortsmouth, VA B 475 1,990 2.8% 6.50%
16 Mutual of Omaha MortgageSan Diego, CA C 453 863 22.4% 6.25%
17 Primary Residential MortgageSalt Lake City, UT C 448 2,004 3.8% 6.63%
18 AmeriSave MortgageSandy Springs, GA D 444 1,957 56.5% 8.50%
19 Direct Mortgage LoansHunt Valley, MD B 440 1,449 1.6% 6.63%
20 Fairway Independent MortgageMadison, WI B 436 1,526 4.8% 6.63%
21 First Heritage MortgageFairfax, VA A 416 1,521 3.4% 6.38%
22 Meridian BankMalvern, PA B 362 1,135 3.9% 6.50%
23 CMG MortgageSan Ramon, CA A 360 1,851 2.0% 6.50%
24 Equity Prime MortgageAtlanta, GA D 351 592 12.5% 6.63%
25 Village Capital & InvestmentHenderson, NV C 351 957 22.2% 5.75%
26 Embrace Home LoansMiddletown, RI A 340 1,170 6.3% 6.63%
27 LowerColumbia, MD C 333 942 11.3% 6.63%
28 Movement MortgageLancaster, SC A 331 1,486 5.5% 6.63%
29 Manufacturers and Traders TrustBuffalo, NY C 326 5,497 32.0% 5.99%
30 Prosperity Home MortgageFairfax, VA A 324 1,767 6.3% 6.63%
31 American Financial NetworkBrea, CA C 306 614 14.0% 6.99%
32 Guild MortgageSan Diego, CA A 291 1,314 4.5% 6.50%
33 Nationstar MortgageCoppell, TX C 283 1,915 15.4% 7.88%
34 Lennar MortgageMiami, FL A 260 1,008 7.1% 6.38%
35 Guaranteed RateChicago, IL B 260 1,515 6.1% 6.38%
36 American Neighborhood Mortgage Acceptance CompanyMount Laurel, NJ B 258 472 1.3% 6.63%
37 Paramount Residential Mortgage GroupCorona, CA B 238 591 3.4% 6.63%
38 Fidelity Direct MortgageGaithersburg, MD B 231 604 3.8% 6.63%
39 Ameris BankAtlanta, GA B 218 641 7.8% 6.49%
40 Unnamed lender 254900M2C4Q6DATP2889 F 215 393 19.9% 6.13%
41 Shore United BankEaston, MD C 209 1,485 13.8% 6.50%
42 Sun West Mortgage CompanyCerritos, CA B 203 418 12.0% 6.13%
43 City LendingVienna, VA F 202 428 20.6% 7.13%
44 OCMBCIrvine, CA C 180 1,123 17.5% 7.50%
45 GoodLeapRoseville, CA C 175 516 24.6% 6.69%
46 Kind LendingIrvine, CA C 171 563 31.1% 6.63%
47 PHH MortgageMount Laurel, NJ C 167 496 5.2% 6.00%
48 LoanUnited.comDuluth, GA C 165 335 8.1% 5.99%
49 Bay Capital MortgageAnnapolis, MD B 154 739 7.3% 6.49%
50 Vellum MortgageFairfax, VA A 152 655 2.6% 6.63%

How this list is built

Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.