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Meet Tammy Saul
CEO AND CO-FOUNDER
TAMMY SAUL, JD, MBA
Tammy Saul, JD, MBA is one of the most accomplished and trusted mortgage professionals in the United States. As of 2026, she is the official #1 producing female loan officer in the country for units. She is also the official #1 producing loan officer overall, across all categories, in her home state, a distinction she has held since 2023. These rankings reflect more than production. They reflect performance under pressure, sustained excellence at scale, and an ability to deliver results even when a mortgage transaction is complex, time-sensitive, or simply difficult.
Tammy is recognized for an approach that is both strategic and deeply client-centered. In an industry that can be overly sales-driven and transactional, she brings a rare combination of high-level business acumen and legal training to the mortgage process. As an attorney with an MBA, she evaluates each mortgage transaction through a wider lens than typical loan origination, blending precision, risk awareness, and structured problem-solving into a plan that supports both the immediate closing and the long-term outcome.
Over the course of her career, Tammy has successfully handled thousands of loans across purchase, refinance, home equity, and construction transactions, including scenarios involving high-net-worth clients, self-employed borrowers, complex income structures, and tighter underwriting environments. She is especially known for masterminding files that others decline, misread, or mishandle. Clients and referral partners value her for being direct, proactive, and exacting, with a reputation for anticipating issues early and resolving them before they become obstacles.
Tammy’s rise in the national rankings mirrors what her clients and professional partners already know. She is relentless in execution, highly technical in her understanding of lending guidelines, and deeply invested in doing the work at the level it actually requires. Many of her clients return repeatedly over the years, and the majority of her business comes from repeat clientele and direct referrals, a reflection of the trust she builds and the consistency she delivers.
Tammy’s results are also supported by an efficient operating model built to perform. Her process is streamlined, disciplined, and structured for speed and accuracy, which allows her to deliver highly competitive pricing and consistently low rates without sacrificing service or reliability.
Passion for the Business and her Clients
Tammy has a genuine passion for real estate, finance, and the art of guiding even the most nervous homebuyer through what is often a stressful and unfamiliar process. She is known for bringing clarity to what feels complicated, simplifying the steps without oversimplifying the stakes, and creating calm in moments where others default to uncertainty.
Her mantra, “whatever it takes,” is not a slogan. It is a standard. Tammy is naturally competitive and intensely driven, and she applies that drive to her client’s advantage, pushing for the strongest execution and the best possible outcome while staying grounded, measured, and realistic about what matters most.
Track Record
Tammy ranks among the top mortgage professionals in the United States and is consistently recognized as a national leader in performance. She is a top-five U.S. mortgage broker and loan officer, according to The Scotsman Guide, the official ranking source for loan officers. In 2023, Tammy became the first woman to ever achieve the #1 loan officer ranking in her home state, breaking a long-standing industry barrier. She holds that title to this day.
Her success has never been rooted in flash. It is built on preparation, discipline, and a commitment to precision. Clients, business managers, and real estate professionals trust Tammy because she operates as an advisor, not a salesperson, and because she has proven over and over that she can deliver when it counts.
Mission and Leadership
As CEO and Co-Founder of Federal Hill Mortgage, Tammy leads her team with a singular mission: to provide exceptional customer service and best-in-class loan solutions for home purchase, refinance, home equity, and construction loans. While she is often recognized for her expertise in high-end and complex mortgage transactions, Tammy lends the same intensity and care to every borrower, regardless of loan size.
“We work with a diverse client base. I look at every client as an opportunity to build a lifetime relationship. The amount of their loan is inconsequential,” Tammy says.
In volatile or uncertain markets, Tammy becomes the person clients and real estate professionals turn to when reliability matters most. She has rescued thousands of buyers who were left stranded by lenders that could not perform, and she is known for getting mortgage transactions to the finish line even when conditions are tightening across the industry. Her long-standing relationships with banks and investors give her the operational strength and flexibility to close loans when others cannot.
Education
Tammy holds three degrees: an undergraduate degree in International Studies from Towson University, a Master’s in Business from the University of Baltimore School of Business, and a Law Degree from the University of Maryland School of Law. She practiced law for several years before founding Federal Hill Mortgage in 2005, and she remains a licensed attorney to this day.
Personal Life
Tammy (birth name Tamila) was born in Kiev, Ukraine. Her parents escaped Ukraine in 1979 to bring Tammy and her younger brother Oleg to the United States in pursuit of the American Dream. She speaks English and Russian and credits much of her drive, resilience, and commitment to servant leadership to her first-generation immigrant upbringing.
She resides in Maryland with her husband Ryan of many years and their two small children, Paxton and Mila.
Press
Media outlets and industry professional organizations often seek Tammy’s expertise as a business leader as well as for her knowledge of mortgage lending trends. She has spoken on numerous podcasts and is frequently quoted in highly-regarded news outlets including the Scotsman Guide (the leading benchmark for ranking in the mortgage industry), National Mortgage News, and Mortgage Professional America Magazine. In 2021, she was profiled in coach Carl White’s Loan Officer Champions.
Tammy’s clients rave about her knowledge and professionalism – see her reviews to learn more.
Achievements and Awards
Tammy Saul has consistently demonstrated her prowess and dedication in the mortgage industry, earning numerous accolades and recognitions:
Educational Achievements: Tammy holds three degrees—a Bachelor’s in International Studies from Towson University, an MBA from the University of Baltimore School of Business, and a JD from the University of Maryland School of Law. Her educational background has provided a strong foundation for her unique and effective approach to mortgage lending.
Top Mortgage Broker and Loan Officer: Tammy ranks as the number one producing loan officer in Maryland and consistently places among the top mortgage brokers in the U.S. according to The Scotsman Guide. Her extraordinary achievements include closing over $312 million in loans and managing up to 951 transactions in a single year.
150 Million Dollar Club: Tammy’s exceptional performance placed her in the elite 150 Million Dollar Club in 2021, a testament to her significant loan volumes and her ability to navigate the complexities of the mortgage market.
Power Originator Awards Finalist: Recognized for her outstanding contributions and leadership in the mortgage industry, Tammy was a finalist in the Power Originator Summit, celebrating her influence and dedication to advancing the sector.
Leader in Business Growth: Doubling her business volume in a single year, Tammy exceeded all her set goals dramatically, showcasing her ability to thrive under pressure and her commitment to excellence.
Champion for Immigrants and First-Time Homebuyers: With a personal connection to the immigrant experience, Tammy is deeply committed to assisting first-time homebuyers and immigrants in achieving the American dream, leveraging her expertise to make homeownership accessible and understandable.
Explore more about Tammy’s media features and mentions on our Awards and Press Coverage page.
