# Best Bank Mortgage Lenders in Baltimore

**As of:** 2026-05-25

Compare the top banks offering mortgages in Baltimore. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/baltimore/best-mortgage-lenders/banks


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 212
- **Total Loans:** 31,415
- **Median Rate Spread:** 0.2793543689320388%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Truist Bank | 86 | 70 | 68 | 494 | Bank |
| 2 | Manufacturers and Traders Trust Company | 86 | 62 | 78 | 398 | Bank |
| 3 | MERIDIAN BANK | 84 | 49 | 81 | 723 | Bank |
| 4 | Bank of America, National Association | 80 | 73 | 75 | 303 | Bank |
| 5 | PNC Bank, National Association | 80 | 71 | 61 | 145 | Bank |
| 6 | U.S. Bank National Association | 80 | 75 | 71 | 109 | Bank |
| 7 | Sandy Spring Bank | 78 | 54 | 63 | 268 | Bank |
| 8 | Ameris Bank | 78 | 42 | 82 | 255 | Bank |
| 9 | Towne Bank | 74 | 37 | 80 | 642 | Bank |
| 10 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 496 | Bank |
| 11 | First National Bank of Pennsylvania | 73 | 60 | 71 | 357 | Bank |
| 12 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 259 | Bank |
| 13 | Fulton Bank, National Association | 73 | 40 | 64 | 231 | Bank |
| 14 | United Bank | 73 | 54 | 76 | 186 | Bank |
| 15 | WesBanco Bank, Inc. | 73 | 58 | 70 | 100 | Bank |
| 16 | USAA Federal Savings Bank | 66 | 54 | 45 | 89 | Bank |
| 17 | Shore United Bank, N.A. | 63 | 37 | 63 | 193 | Bank |
| 18 | Presidential Bank, FSB | 63 | 26 | 76 | 177 | Bank |
| 19 | Plains Commerce Bank | 63 | 37 | 67 | 152 | Bank |
| 20 | TD Bank, National Association | 60 | 47 | 57 | 74 | Bank |
| 21 | First National Bank of America | 46 | 1 | 51 | 89 | Bank |
| 22 | The Federal Savings Bank | 42 | 16 | 49 | 69 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Baltimore.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.