Mortgage Lenders and Brokers in Bel Air, 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
Bel Air, Maryland mortgage lenders include First National Bank of PAFirst National Bank of PA203 N Main St, Bel Air, MD 21014A+5.0 ★Texas Ratio: 1.62%, Rosedale BankRosedale Bank1009 E Churchville Rd, Bel Air, MD 21014A+5.0 ★Texas Ratio: 1.98%, HAR-CO Credit UnionHAR-CO Credit Union30 N Hickory Ave, Bel Air, MD 21014 3249A5.0 ★Texas Ratio: 9.57%, Wells Fargo Bank NAWells Fargo Bank NA603 Bel Air Rd, Bel Air, MD 21014A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.130 S Bond St, Bel Air, MD 21014A+5.0 ★Texas Ratio: 4.24%, M&T BankM&T Bank1904 Emmorton Rd, Bel Air, MD 21015A+5.0 ★Texas Ratio: 4.11%, Bank of America NABank of America NA307 S Tollgate Rd, Bel Air, MD 21014A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank402 Baltimore Pike, Bel Air, MD 21014A+5.0 ★Texas Ratio: 2.87%, TD BankTD Bank115 Baltimore Pike, Bel Air, MD 21014A+5.0 ★Texas Ratio: 3.71%, and Freedom of Maryland Federal CrFreedom of Maryland Federal CrBel Air, MD. 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 Bel Air, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bel Air 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 Bel Air, Maryland
Market share is the lender's share of all home loans closed in Bel Air, 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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2 offices in Bel Air 203 N Main St, Bel Air, MD 21014 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 4 +3 HELOCs |
2.3% | 66.7% | $280,000 | View |
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2 offices in Bel Air 1009 E Churchville Rd, Bel Air, MD 21014 A+5.0 ★Texas Ratio: 1.98% |
Conventional | 2 | 1.2% | 100% | $150,000 | View |
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30 N Hickory Ave, Bel Air, MD 21014 3249 A5.0 ★Texas Ratio: 9.57% |
Conventional | 1 | 0.6% | 100% | $365,000 | View |
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1 office in Bel Air 603 Bel Air Rd, Bel Air, MD 21014 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Bel Air 130 S Bond St, Bel Air, MD 21014 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +7 HELOCs |
0% | 0% | View | |
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2 offices in Bel Air 1904 Emmorton Rd, Bel Air, MD 21015 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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1 office in Bel Air 307 S Tollgate Rd, Bel Air, MD 21014 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 1 office in Bel Air 402 Baltimore Pike, Bel Air, MD 21014 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1 office in Bel Air 115 Baltimore Pike, Bel Air, MD 21014 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Freedom of Maryland Federal Cr
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Conventional | 1 | 0.6% | 100% | $325,000 | |
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2113 Laurel Bush Rd, Bel Air, MD 21015 6156 A+5.0 ★Texas Ratio: 4.35% |
Conventional, HELOC | 20 +13 HELOCs |
11.7% | 91.3% | $96,000 | View |
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545 Marketplace Dr, Bel Air, MD 21014 A5.0 ★Texas Ratio: 7.13% |
Conventional | 3 | 1.8% | 100% | $201,666 | View |
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410 S Atwood Rd, Bel Air, MD 21014 4170 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 3 | 1.8% | 100% | $51,666 | View |
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210 Plumtree Rd, Bel Air, MD 21015 6011 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 2 +4 HELOCs |
1.2% | 100% | $280,000 | |
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96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional, FHA | 2 | 1.2% | 100% | $310,000 | View |
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2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.6% | 100% | $395,000 | View |
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8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 1 | 0.6% | 100% | $75,000 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional | 1 | 0.6% | 100% | $405,000 | |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 13 | 7.6% | 92.9% | $318,076 | View |
Nfm, Inc
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Conventional, VA | 7 | 4.1% | 100% | $337,857 | |
Direct Mortgage Loans, LLC
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Conventional, FHA, VA | 7 | 4.1% | 100% | $367,857 | |
Universal Mortgage & Finance, Inc
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Conventional | 1 | 0.6% | 100% | $185,000 | |
My Mortgage, Inc
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Conventional | 1 | 0.6% | 100% | $165,000 | |
Credence Funding Corporation
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Conventional | 1 | 0.6% | 100% | $415,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 16 | 9.4% | 80% | $243,750 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 7 | 4.1% | 87.5% | $235,000 | |
United Wholesale Mortgage
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Conventional, VA | 6 | 3.5% | 85.7% | $306,666 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional, FHA | 6 | 3.5% | 85.7% | $193,333 | View |
Pennymac Loan Services LLC
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Conventional | 6 | 3.5% | 100% | $81,666 | |
Fairway Independent Mort Corp
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Conventional | 5 | 2.9% | 100% | $237,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 3 | 1.8% | 100% | $365,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 1.8% | 100% | $445,000 | |
Cmg Mortgage Inc
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Conventional, VA | 3 | 1.8% | 100% | $315,000 | |
TowneBank
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Conventional, FHA | 3 | 1.8% | 100% | $188,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1.8% | 100% | $338,333 | View |
SWBC Mortgage Corporation
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Conventional | 2 | 1.2% | 66.7% | $395,000 | |
Newrez LLC
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Conventional | 2 | 1.2% | 75% | $290,000 | |
ALCOVA Mortgage, LLC
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Conventional | 2 | 1.2% | 66.7% | $240,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 1.2% | 100% | $245,000 | |
Sun West Mortgage Company, Inc
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Conventional | 2 | 1.2% | 100% | $315,000 | |
Provident Funding Associates
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Conventional | 2 | 1.2% | 100% | $400,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 1.2% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 2 | 1.2% | 66.7% | $170,000 | View |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 50% | $215,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $195,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.6% | 100% | $455,000 | |
Atlantic Coast Mortgage, LLC
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VA | 1 | 0.6% | 100% | $535,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $455,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.6% | 100% | $315,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.6% | 100% | $335,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.6% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.6% | 100% | $355,000 | View |
Valley West Corporation
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VA | 1 | 0.6% | 100% | $335,000 | |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.6% | 100% | $155,000 | |
Atlantic Bay Mortgage Group
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FHA | 1 | 0.6% | 100% | $225,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.6% | 100% | $365,000 | |
T2 Financial LLC
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VA | 1 | 0.6% | 100% | $605,000 | |
Vellum Mortgage, Inc.
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FHA | 1 | 0.6% | 100% | $265,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 100% | $155,000 | |
Mortgage Research Center
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VA | 1 | 0.6% | 50% | $505,000 | |
Towne Mortgage Company
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FHA | 1 | 0.6% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.6% | 100% | $405,000 | View |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.6% | 100% | $185,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.6% | 100% | $445,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.6% | 100% | $425,000 | |
Goodleap, LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Bel Air 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 Bel Air, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Bel Air? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bel Air in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bel Air, MD
Use these to narrow the list above. Each category shows how many Bel Air, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Bel Air, MD
Independent mortgage companies closed 66.1 percent of home loans in Bel Air, Maryland in 2025, banks 15.2 percent and credit unions 18.7 percent. Lower, LLC was the largest mortgage company, First National Bank of PA the largest bank and HAR-CO Credit Union the largest credit union. Among lenders headquartered in Maryland, Rosedale Bank led with 2 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 Bel Air, MD
By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in Bel Air, Maryland with 4 loans, about 2.3 percent of the market. The largest lender headquartered in Maryland was Rosedale Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Bel Air, Maryland in 2025, led by Direct Mortgage Loans, LLC with 2. 11 lenders closed VA loans, led by Rocket Mortgage. 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. 17 banks and 9 credit unions closed home loans in Bel Air, Maryland in 2025, alongside 43 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 Bel Air, 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 Bel Air, 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 Bel Air. 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.
