Safe Rate Rankings

Best Jumbo 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 Lenders17

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	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,920Fees	0.162%Below	643
2	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,957Fees	0.014%Below	531
3	Citibank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$747Fees	0.227%Below	224
4	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$464Fees	0.017%Above	220
5	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$428Credit	0.061%Below	1,241
6	Manufacturers and Traders Trust CompanyBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$592Fees	0.040%Above	748
7	WesBanco Bank, Inc.Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,896Fees	0.225%Above	205
8	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,650Fees	0.067%Above	1,197
9	First National Bank of PennsylvaniaBank	Strong	Sound	Exceptional	Strong	Strong	$1,479Fees	0.026%Above	552
10	Fulton Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,595Fees	0.247%Above	361
11	PNC Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$114Fees	0.027%Above	333
12	TD Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,017Credit	0.194%Above	175
13	Towne BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,908Fees	0.134%Above	1,434
14	Shore United Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	Exceptional	$2,788Fees	0.196%Above	520
15	United BankBank	Strong	Acceptable	Strong	Strong	Exceptional	$2,055Fees	0.012%Below	498
16	MERIDIAN BANKBank	Strong	Sound	Sound	Acceptable	Exceptional	$2,171Fees	0.196%Above	938
17	Sandy Spring BankBank	Strong	Acceptable	Strong	Sound	Exceptional	$1,800Fees	0.179%Above	543

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.