Meet Tammy Saul



Tammy Saul, a top-five U.S. mortgage broker, leverages her unique background as an attorney with an MBA to differentiate herself in a field often bound by tradition. Her dual expertise allows a broader, more client-centric approach compared to typical sales-driven methods.

Throughout her career, Tammy has expertly handled thousands of loans, orchestrating successful outcomes even in the most complex scenarios. Tammy doesn’t just process loans; she builds lasting relationships, guiding clients with precision and genuine care. Her dedication is reflected in her impressive client retention rate, with over 70% of her business coming from loyal repeat clientele and referrals.

Tammy’s rise in the industry rankings reflects her work ethic, innovative problem-solving, and reputation as a trusted advisor among clients and real estate professionals alike. While her official accolades for 2023 are yet to be announced, the trajectory speaks for itself—Tammy Saul is not just a mortgage lender and broker; she’s a a trailblazer redefining mortgage standards.

Passion for the Business and her Clients

Tammy Saul has a strong passion for real estate, finance, and the art of guiding even the most nervous homebuyer through what for them is often a terrifying process. 

Based in Maryland since 2001, Tammy Saul is renowned for closing loans that no one else can. Her mantra – whatever it takes, is one of the reasons over 70% of her business is repeat clientele. Tammy reveals, “I am naturally competitive and driven to succeed – qualities I direct to my client’s court to help them get the best loan terms possible.”

Track Record

Tammy Saul is the number one loan officer and mortgage broker in the Mid-Atlantic Region to include Maryland, Virginia, DC, Pennsylvania and Delaware.  She ranks in the top 10 list of mortgage brokers in the U.S., according to The Scotsman Guide.  In 2022, Tammy earned the distinction of being the first female to have ever achieved the #1 loan officer ranking in Maryland, breaking a long-standing industry barrier. 

Tammy’s success is rooted in a personal drive to bring clarity and white-glove service to every client, along with an unstoppable work ethic and reputation as a trusted advisor to clients, business managers, and real estate professionals alike.

Mission and Leadership

As Co-Founder and CEO of Federal Hill Mortgage, Tammy leads her team with a mission to provide exceptional customer service and best-in-class loan solutions for home and purchase, refinance, home equity and construction loans. While Tammy is recognized as a mortgage wizard at the highest end of the Mid-Atlantic real estate market, she lends her expertise to all real estate home buyers and property owners. “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”, states Tammy.

In tough economic times, Tammy is a hero. She has rescued thousands of panicked home buyers left stranded by struggling lenders who could not perform. Her ability to tap into long-standing relationships with banks and investors affords her the capacity to reliably close loans even when the economy is on volatile ground.


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.  To this day, she is still a Maryland-licensed attorney.

Personal Life

Tammy (birth name Tamila) was born in Kiev, Ukraine.  Her parents escaped Ukraine in 1979 to bring her and her younger brother Oleg here in pursuit of the American Dream.  She speaks English and Russian and credits her drive and passion for business to her first-generation immigrant upbringing.

Tammy lives in Maryland with her husband Ryan of over 10 years and two young children, Paxton and Mila.

Schedule An Appointment

My team and I look forward to chatting! Please note you may be talking to me or one of my loan partners.