Safe Rate Rankings

Best Bank Mortgage Lenders in Baltimore

Updated May 25, 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 Lenders212

Total Loans31,415

Median Rate Spread0.28%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Truist BankBank	Exceptional	Strong	Strong	Exceptional	$629Credit	0.066%Below	494
2	Manufacturers and Traders Trust CompanyBank	Exceptional	Strong	Strong	Exceptional	$844Fees	0.079%Above	398
3	MERIDIAN BANKBank	Strong	Sound	Exceptional	Exceptional	$2,057Fees	0.194%Above	723
4	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,859Fees	0.108%Below	303
5	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$808Fees	0.056%Above	145
6	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$349Fees	0.019%Above	109
7	Sandy Spring BankBank	Strong	Sound	Strong	Exceptional	$2,144Fees	0.231%Above	268
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$1,934Fees	0.029%Above	259
9	Ameris BankBank	Strong	Sound	Exceptional	Strong	$3,171Fees	0.249%Above	255
10	Towne BankBank	Strong	Acceptable	Exceptional	Exceptional	$2,593Fees	0.161%Above	642
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,657Fees	0.097%Above	496
12	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Strong	$1,543Fees	0.039%Above	357
13	Fulton Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,828Fees	0.245%Above	231
14	United BankBank	Strong	Sound	Strong	Strong	$1,838Fees	0.225%Below	186
15	WesBanco Bank, Inc.Bank	Strong	Sound	Strong	Strong	$1,650Fees	0.222%Above	100
16	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,607Fees	0.112%Below	89
17	Shore United Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,590Fees	0.144%Above	193
18	Presidential Bank, FSBBank	Strong	Acceptable	Strong	Strong	$3,958Fees	0.253%Above	177
19	Plains Commerce BankBank	Strong	Acceptable	Strong	Strong	$3,607Fees	0.208%Above	152
20	TD Bank, National AssociationBank	Strong	Sound	Sound	Sound	$1,494Credit	0.216%Above	74
21	First National Bank of AmericaBank	Sound	Mediocre	Sound	Strong	$6,105Fees	1.772%Above	89
22	The Federal Savings BankBank	Sound	Mediocre	Sound	Sound	$2,724Fees	0.364%Above	69

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.