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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Bank Lenders in Baltimore
Updated February 5, 2026
Market Overview
22
Total Lenders
31,415
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$629 | -0.066% | 494 | |
2 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,543 | +0.039% | 357 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,859 | -0.108% | 303 | |
4 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $808 | +0.056% | 145 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $349 | +0.019% | 109 | |
6 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $844 | +0.079% | 398 | |
7 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,934 | +0.029% | 259 | |
8 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Exceptional | $2,057 | +0.194% | 723 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,657 | +0.097% | 496 | |
10 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,171 | +0.249% | 255 | |
11 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,650 | +0.222% | 100 | |
12 | Sandy Spring Bank | Strong | Sound | Strong | Sound | Exceptional | $2,144 | +0.231% | 268 | |
13 | United Bank | Strong | Sound | Strong | Strong | Strong | $1,838 | -0.225% | 186 | |
14 | Towne Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,593 | +0.161% | 642 | |
15 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,828 | +0.245% | 231 | |
16 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,607 | +0.208% | 152 | |
17 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $3,958 | +0.253% | 177 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,607 | -0.112% | 89 | |
19 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | -$1,494 | +0.216% | 74 | |
20 | Shore United Bank, N.A. | Strong | Acceptable | Strong | Sound | Strong | $2,590 | +0.144% | 193 | |
21 | First National Bank of America | Sound | Mediocre | Strong | Sound | Strong | $6,105 | +1.772% | 89 | |
22 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Sound | $2,724 | +0.364% | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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