🛡️
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 Bank Mortgage Lenders in Maryland
Updated February 6, 2026
Market Overview
25
Total Lenders
13,896
Total Loans
0.09%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Strong | Exceptional | -$428 | -0.061% | 1,241 | |
2 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | $592 | +0.040% | 748 | |
3 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $747 | -0.227% | 224 | |
4 | MERIDIAN BANK | Strong | Sound | Exceptional | Exceptional | $2,171 | +0.196% | 938 | |
5 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,920 | -0.162% | 643 | |
6 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $114 | +0.027% | 333 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $464 | +0.017% | 220 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,650 | +0.067% | 1,197 | |
9 | Sandy Spring Bank | Strong | Sound | Strong | Exceptional | $1,800 | +0.179% | 543 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,957 | -0.014% | 531 | |
11 | United Bank | Strong | Sound | Strong | Exceptional | $2,055 | -0.012% | 498 | |
12 | Ameris Bank | Strong | Sound | Exceptional | Strong | $3,265 | +0.217% | 486 | |
13 | Towne Bank | Strong | Acceptable | Exceptional | Exceptional | $2,908 | +0.134% | 1,434 | |
14 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,479 | +0.026% | 552 | |
15 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $2,595 | +0.247% | 361 | |
16 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,896 | +0.225% | 205 | |
17 | Shore United Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $2,788 | +0.196% | 520 | |
18 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,982 | -0.185% | 212 | |
19 | Capital Bank, National Association | Strong | Sound | Sound | Strong | $1,764 | +0.230% | 199 | |
20 | TD Bank, National Association | Strong | Sound | Sound | Strong | -$1,017 | +0.194% | 175 | |
21 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | $3,772 | +0.265% | 389 | |
22 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,768 | +0.233% | 230 | |
23 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,468 | +0.185% | 155 | |
24 | First National Bank of America | Sound | Mediocre | Sound | Strong | $7,912 | +1.760% | 232 | |
25 | The Federal Savings Bank | Sound | Mediocre | Sound | Strong | $3,522 | +0.461% | 183 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Maryland
No credit impact
3-minute process
100% free