A Baltimore restaurateur recently found the best loan to finance his new Australian-themed restaurant from an unlikely lender, a thrift that has been averaging one business loan a year.

Mark Haddad, co-owner of the Boomerang Pub, which is to open in two weeks, had shopped for his $250,000 term loan at a community thrift, a community bank, a regional, and a superregional. Three of the four said "yes," but Mr. Haddad said $55 million-asset Bay-Vanguard Federal Savings Bank offered the best deal. He said he negotiated fees and points.

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