Mortgage Lenders and Brokers in Ashton-Sandy Spring, Maryland
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Ashton-Sandy Spring, Maryland mortgage lenders include M&T BankM&T Bank207 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.11%, Atlantic Union BankAtlantic Union Bank166 Jennifer Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.51%, Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%, Tower Federal Credit UnionTower Federal Credit Union810 Bestgate Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 1.97%, Educational Systems FCUEducational Systems FCU2625 Riva Rd Ste C, Annapolis, MD 21401 7375A+5.0 ★Texas Ratio: 3.40%, United Bank VaUnited Bank Va1835 West St, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.15%, Fulton Bank, National AssociationFulton Bank, National Association96 Village Sq, Baltimore, MD 21210A+5.0 ★Texas Ratio: 4.85%, Presidential Bank, FSBPresidential Bank, FSB4520 East West Hwy, Bethesda, MD 20814A-4.9 ★Texas Ratio: 16.48%, Acnb BankAcnb Bank2 N Market St, Frederick, MD 21701A+5.0 ★Texas Ratio: 2.55%, and Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Ashton-Sandy Spring, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ashton-Sandy Spring are listed first, then lenders elsewhere in Maryland, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Ashton-Sandy Spring, Maryland
Market share is the lender's share of all home loans closed in Ashton-Sandy Spring, Maryland. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 3 +2 HELOCs |
3.2% | 100% | $381,666 | View |
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166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 2 +12 HELOCs |
2.1% | 100% | $260,000 | View |
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★ 1 stars, 1 review 405 Manning Rd E, Accokeek, MD 20607 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +1 HELOCs |
2.1% | 100% | $445,000 | View |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
Conventional, HELOC | 1 +4 HELOCs |
1.1% | 100% | $895,000 | |
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2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
Conventional, HELOC | 1 +2 HELOCs |
1.1% | 100% | $675,000 | View |
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1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $595,000 | View |
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96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,435,000 | View |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 1.1% | 100% | $625,000 | View |
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2 N Market St, Frederick, MD 21701 A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 1.1% | 100% | $1,195,000 | View |
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122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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8870 McGaw Rd, Columbia, MD 21045 A+5.0 ★Texas Ratio: 2.79% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Fidelity Direct Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $595,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.1% | 100% | $325,000 | View |
Nfm, Inc
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VA | 1 | 1.1% | 100% | $1,155,000 | |
Bay Capital Mortgage Corporation
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VA | 1 | 1.1% | 100% | $555,000 | |
Rocket Mortgage
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Conventional, FHA | 11 | 11.6% | 84.6% | $455,909 | |
United Wholesale Mortgage
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Conventional, FHA | 6 | 6.3% | 87.5% | $451,666 | |
CrossCountry Mortgage, LLC
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Conventional | 3 | 3.2% | 100% | $625,000 | |
First Heritage Mortgage, LLC
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Conventional | 3 | 3.2% | 75% | $335,000 | |
Congressional Federal Credit Union
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Conventional | 3 | 3.2% | 100% | $405,000 | |
TowneBank
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Conventional, VA | 3 | 3.2% | 100% | $505,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 3 | 3.2% | 100% | $821,666 | |
Mutual of Omaha Mortgage
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Conventional | 3 | 3.2% | 100% | $665,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 2 | 2.1% | 75% | $745,000 | |
Newrez LLC
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Conventional | 2 | 2.1% | 100% | $460,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 2.1% | 66.7% | $280,000 | |
Embrace Home Loans, Inc.
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Conventional | 2 | 2.1% | 100% | $605,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 2.1% | 100% | $845,000 | View |
Fairway Independent Mort Corp
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Conventional | 2 | 2.1% | 100% | $1,205,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 2.1% | 100% | $375,000 | View |
loanDepot.com LLC
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Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $665,000 | |
Arc Home LLC
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Conventional | 1 | 1.1% | 100% | $665,000 | |
EMM Loans LLC
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Conventional | 1 | 1.1% | 100% | $575,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 1.1% | 100% | $665,000 | View |
Equity Resources Inc
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FHA | 1 | 1.1% | 100% | $495,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.1% | 100% | $465,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 1.1% | 100% | $455,000 | View |
Nbkc Bank
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Conventional | 1 | 1.1% | 100% | $695,000 | |
Kind Lending, LLC
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Conventional | 1 | 1.1% | 100% | $355,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $705,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.1% | 33.3% | $105,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.1% | 100% | $565,000 | |
Nqm Funding, LLC
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Conventional | 1 | 1.1% | 100% | $255,000 | |
Intercoastal Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $515,000 | |
First Savings Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $1,065,000 | |
Bay Equity LLC
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Conventional | 1 | 1.1% | 100% | $725,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 1.1% | 100% | $725,000 | |
Weichert Financial Services
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Conventional | 1 | 1.1% | 100% | $655,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.1% | 100% | $835,000 | View |
Vellum Mortgage, Inc.
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Conventional | 1 | 1.1% | 100% | $635,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.1% | 100% | $685,000 | View |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 1.1% | 100% | $825,000 | View |
New American Funding, LLC.
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Conventional | 1 | 1.1% | 100% | $415,000 | |
The Loan Store, Inc
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Conventional | 1 | 1.1% | 100% | $645,000 | |
United Nations Federal CU
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Conventional | 1 | 1.1% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.1% | 100% | $305,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 1.1% | 100% | $505,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 1.1% | 100% | $255,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 1.1% | 100% | $385,000 | |
Bank Fund Staff Federal Credit
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ashton-Sandy Spring Mortgage Rate Trends
Daily average mortgage rates for Maryland compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Ashton-Sandy Spring, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Ashton-Sandy Spring? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ashton-Sandy Spring in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ashton-Sandy Spring, MD
Use these to narrow the list above. Each category shows how many Ashton-Sandy Spring, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Ashton-Sandy Spring, MD
Independent mortgage companies closed 68.4 percent of home loans in Ashton-Sandy Spring, Maryland in 2025, banks 23.2 percent and credit unions 8.4 percent. Fidelity Direct Mortgage, LLC was the largest mortgage company, M&T Bank the largest bank and Tower Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Tower Federal Credit Union led with 1 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Maryland. State transfer tax of 0.5 percent of the price (0.25 percent, paid by the seller, when the buyer is a first time Maryland homebuyer), plus county transfer taxes of 0 to 1.5 percent and county recordation taxes on deeds and mortgages ranging from about $5 to $14 per $1,000, with Montgomery County using tiered rates up to 2.27 percent above $1 million.
More Maryland Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Ashton-Sandy Spring, MD
By home loans closed in 2025, M&T Bank was the largest mortgage lender in Ashton-Sandy Spring, Maryland with 3 loans, about 3.2 percent of the market. The largest lender headquartered in Maryland was Tower Federal Credit Union with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Ashton-Sandy Spring, Maryland in 2025, led by Rocket Mortgage with 1. 6 lenders closed VA loans, led by Nfm, Inc. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 9 credit unions closed home loans in Ashton-Sandy Spring, Maryland in 2025, alongside 37 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Ashton-Sandy Spring, Maryland during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Ashton-Sandy Spring, Maryland for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Ashton-Sandy Spring. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
