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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 Conventional Mortgage Bank Lenders in Maryland
Updated February 6, 2026
Market Overview
25
Total Lenders
69,793
Total Loans
0.27%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$428 | -0.061% | 1,241 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $747 | -0.227% | 224 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,920 | -0.162% | 643 | |
4 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,479 | +0.026% | 552 | |
5 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $114 | +0.027% | 333 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $464 | +0.017% | 220 | |
7 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,650 | +0.067% | 1,197 | |
8 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $592 | +0.040% | 748 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,957 | -0.014% | 531 | |
10 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Exceptional | $2,171 | +0.196% | 938 | |
11 | United Bank | Strong | Sound | Strong | Strong | Exceptional | $2,055 | -0.012% | 498 | |
12 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,265 | +0.217% | 486 | |
13 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,896 | +0.225% | 205 | |
14 | Sandy Spring Bank | Strong | Sound | Strong | Sound | Exceptional | $1,800 | +0.179% | 543 | |
15 | Towne Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,908 | +0.134% | 1,434 | |
16 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,595 | +0.247% | 361 | |
17 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,768 | +0.233% | 230 | |
18 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | -$1,017 | +0.194% | 175 | |
19 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,468 | +0.185% | 155 | |
20 | Shore United Bank, N.A. | Strong | Acceptable | Strong | Sound | Exceptional | $2,788 | +0.196% | 520 | |
21 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $3,772 | +0.265% | 389 | |
22 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,982 | -0.185% | 212 | |
23 | Capital Bank, National Association | Strong | Sound | Sound | Sound | Strong | $1,764 | +0.230% | 199 | |
24 | First National Bank of America | Sound | Mediocre | Strong | Sound | Strong | $7,912 | +1.760% | 232 | |
25 | The Federal Savings Bank | Sound | Mediocre | Strong | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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