Safe Rate Rankings

Best FHA Mortgage Bank Lenders in Baltimore

Updated May 31, 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Manufacturers and Traders Trust CompanyBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$844Fees	0.079%Above	398
2	Towne BankBank	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,593Fees	0.161%Above	642
3	Sandy Spring BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$2,144Fees	0.231%Above	268
4	MERIDIAN BANKBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,057Fees	0.194%Above	723
5	Truist BankBank	Exceptional	Strong	Strong	Sound	Exceptional	$629Credit	0.066%Below	494
6	United BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,838Fees	0.225%Below	186
7	WesBanco Bank, Inc.Bank	Exceptional	Strong	Strong	Strong	Strong	$1,650Fees	0.222%Above	100
8	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,171Fees	0.249%Above	255
9	Fulton Bank, National AssociationBank	Strong	Strong	Strong	Sound	Strong	$2,828Fees	0.245%Above	231
10	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,607Fees	0.208%Above	152
11	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	Strong	$808Fees	0.056%Above	145
12	Shore United Bank, N.A.Bank	Strong	Sound	Strong	Strong	Strong	$2,590Fees	0.144%Above	193
13	Presidential Bank, FSBBank	Strong	Acceptable	Strong	Strong	Strong	$3,958Fees	0.253%Above	177
14	The Federal Savings BankBank	Strong	Acceptable	Exceptional	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 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.