# Best Jumbo Mortgage Lenders in Baltimore

**As of:** 2026-05-22

Compare the top Jumbo mortgage lenders in Baltimore. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/baltimore/best-mortgage-lenders/jumbo-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 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 95 | 91 | 75 | 344 | Credit Union |
| 2 | Truist Bank | 89 | 76 | 71 | 494 | Bank |
| 3 | Manufacturers and Traders Trust Company | 89 | 80 | 79 | 398 | Bank |
| 4 | Bank of America, National Association | 89 | 90 | 80 | 303 | Bank |
| 5 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 259 | Bank |
| 6 | U.S. Bank National Association | 89 | 88 | 76 | 109 | Bank |
| 7 | NAVY FEDERAL CREDIT UNION | 88 | 95 | 51 | 685 | Credit Union |
| 8 | WesBanco Bank, Inc. | 85 | 67 | 62 | 100 | Bank |
| 9 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 2,545 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 1,767 | Independent Mortgage Company |
| 11 | JPMorgan Chase Bank, National Association | 79 | 49 | 64 | 496 | Bank |
| 12 | First National Bank of Pennsylvania | 79 | 58 | 76 | 357 | Bank |
| 13 | PENNYMAC LOAN SERVICES, LLC | 79 | 55 | 66 | 308 | Independent Mortgage Company |
| 14 | Fulton Bank, National Association | 79 | 47 | 67 | 231 | Bank |
| 15 | PNC Bank, National Association | 79 | 53 | 68 | 145 | Bank |
| 16 | Prosperity Home Mortgage, LLC | 75 | 35 | 62 | 506 | Independent Mortgage Company |
| 17 | GUARANTEED RATE AFFINITY, LLC | 73 | 55 | 57 | 263 | Independent Mortgage Company |
| 18 | LOANDEPOT.COM, LLC | 73 | 52 | 59 | 261 | Independent Mortgage Company |
| 19 | TD Bank, National Association | 73 | 51 | 72 | 74 | Bank |
| 20 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 40 | 70 | 435 | Independent Mortgage Company |
| 21 | DAS Acquisition Company, LLC | 69 | 54 | 59 | 374 | Independent Mortgage Company |
| 22 | EMBRACE HOME LOANS, INC. | 67 | 32 | 66 | 253 | Independent Mortgage Company |
| 23 | Shore United Bank, N.A. | 67 | 20 | 69 | 193 | Bank |
| 24 | United Bank | 67 | 34 | 72 | 186 | Bank |
| 25 | Sandy Spring Bank | 66 | 24 | 56 | 268 | Bank |
| 26 | NFM, INC. | 63 | 20 | 69 | 1,197 | Independent Mortgage Company |
| 27 | MERIDIAN BANK | 62 | 49 | 24 | 723 | Bank |
| 28 | FIRST HOME MORTGAGE CORPORATION | 56 | 14 | 47 | 1,754 | Independent Mortgage Company |

## 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.