Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Maryland

Updated February 6, 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 Lenders25

Total Loans69,793

Median Rate Spread0.27%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$428Credit	0.061%Below	1,241
2	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Sound	Strong	$747Fees	0.227%Below	224
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,920Fees	0.162%Below	643
4	First National Bank of PennsylvaniaBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,479Fees	0.026%Above	552
5	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$114Fees	0.027%Above	333
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$464Fees	0.017%Above	220
7	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,650Fees	0.067%Above	1,197
8	Manufacturers and Traders Trust CompanyBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$592Fees	0.040%Above	748
9	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,957Fees	0.014%Below	531
10	MERIDIAN BANKBank	Strong	Sound	Strong	Strong	Exceptional	$2,171Fees	0.196%Above	938
11	United BankBank	Strong	Sound	Strong	Strong	Exceptional	$2,055Fees	0.012%Below	498
12	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,265Fees	0.217%Above	486
13	WesBanco Bank, Inc.Bank	Strong	Sound	Exceptional	Strong	Strong	$1,896Fees	0.225%Above	205
14	Sandy Spring BankBank	Strong	Sound	Strong	Sound	Exceptional	$1,800Fees	0.179%Above	543
15	Towne BankBank	Strong	Acceptable	Strong	Strong	Exceptional	$2,908Fees	0.134%Above	1,434
16	Fulton Bank, National AssociationBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,595Fees	0.247%Above	361
17	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,768Fees	0.233%Above	230
18	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$1,017Credit	0.194%Above	175
19	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,468Fees	0.185%Above	155
20	Shore United Bank, N.A.Bank	Strong	Acceptable	Strong	Sound	Exceptional	$2,788Fees	0.196%Above	520
21	Presidential Bank, FSBBank	Strong	Acceptable	Strong	Strong	Strong	$3,772Fees	0.265%Above	389
22	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,982Fees	0.185%Below	212
23	Capital Bank, National AssociationBank	Strong	Sound	Sound	Sound	Strong	$1,764Fees	0.230%Above	199
24	First National Bank of AmericaBank	Sound	Mediocre	Strong	Sound	Strong	$7,912Fees	1.760%Above	232
25	The Federal Savings BankBank	Sound	Mediocre	Strong	Sound	Strong	$3,522Fees	0.461%Above	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 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.