# Best FHA Mortgage Bank Lenders in Baltimore

**As of:** 2026-05-31

Compare the top banks for FHA loans in Baltimore.

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


> **📋 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 | Manufacturers and Traders Trust Company | 89 | 74 | 65 | 398 | Bank |
| 2 | Towne Bank | 88 | 58 | 82 | 642 | Bank |
| 3 | Sandy Spring Bank | 85 | 64 | 62 | 268 | Bank |
| 4 | MERIDIAN BANK | 83 | 55 | 80 | 723 | Bank |
| 5 | United Bank | 80 | 67 | 68 | 186 | Bank |
| 6 | WesBanco Bank, Inc. | 80 | 74 | 65 | 100 | Bank |
| 7 | Truist Bank | 79 | 75 | 53 | 494 | Bank |
| 8 | Ameris Bank | 79 | 50 | 78 | 255 | Bank |
| 9 | Plains Commerce Bank | 79 | 47 | 66 | 152 | Bank |
| 10 | Fulton Bank, National Association | 74 | 74 | 59 | 231 | Bank |
| 11 | Shore United Bank, N.A. | 74 | 57 | 75 | 193 | Bank |
| 12 | PNC Bank, National Association | 74 | 62 | 56 | 145 | Bank |
| 13 | Presidential Bank, FSB | 67 | 31 | 78 | 177 | Bank |
| 14 | The Federal Savings Bank | 62 | 26 | 53 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.