Mortgage Lenders and Brokers in California, 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
California, Maryland mortgage lenders include Shore United Bank, N.A.Shore United Bank, N.A.200 Westgate Circle, Annapolis, MD 21401A5.0 ★Texas Ratio: 9.61%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA45210 Worth Ave, California, MD 20619A+5.0 ★Texas Ratio: 3.68%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.22741 Three Notch Rd, California, MD 20619A+5.0 ★Texas Ratio: 3.87%, Truist BankTruist Bank45156 First Colony Way, California, MD 20619A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%, Educational Systems FCUEducational Systems FCU2625 Riva Rd Ste C, Annapolis, MD 21401 7375A+5.0 ★Texas Ratio: 3.40%, Presidential Bank, FSBPresidential Bank, FSB4520 East West Hwy, Bethesda, MD 20814A-4.9 ★Texas Ratio: 16.48%, Lower, LLCLower, LLC810 Bestgate Rd, Annapolis, MD 21401, PNC Bank N.A.PNC Bank N.A.1004 Beards Hill Rd, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.24%, and Tower Federal Credit UnionTower Federal Credit Union810 Bestgate Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 1.97%. 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 California, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in California 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 California, Maryland
Market share is the lender's share of all home loans closed in California, 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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1 office in California 200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
Conventional, USDA, Jumbo | 2 | 0.7% | 100% | $570,000 | View |
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1 office in California 45210 Worth Ave, California, MD 20619 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $245,000 | View |
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1 office in California 22741 Three Notch Rd, California, MD 20619 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 1 office in California 45156 First Colony Way, California, MD 20619 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +2 HELOCs |
1% | 75% | $231,666 | View |
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2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $365,000 | View |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.3% | 100% | $325,000 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
VA | 1 | 0.3% | 100% | $305,000 | |
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★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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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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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA, USDA, Jumbo | 41 | 13.9% | 95.6% | $393,048 | View |
Bay Capital Mortgage Corporation
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Conventional, FHA, VA | 6 | 2% | 100% | $376,666 | |
Nfm, Inc
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Conventional, FHA | 3 | 1% | 100% | $371,666 | |
Universal Mortgage & Finance, Inc
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Conventional | 1 | 0.3% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 25 +15 HELOCs |
8.4% | 73.5% | $256,600 | View |
Rocket Mortgage
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Conventional, FHA, VA | 22 | 7.4% | 89.7% | $247,272 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 18 | 6.1% | 95% | $386,111 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 17 +1 HELOCs |
5.7% | 81.8% | $390,294 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 13 | 4.4% | 93.3% | $287,307 | |
Mortgage Research Center
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VA | 11 | 3.7% | 68.8% | $410,454 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, VA | 9 | 3% | 90% | $371,666 | |
Newrez LLC
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Conventional, FHA, VA | 8 | 2.7% | 57.1% | $318,750 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 6 | 2% | 100% | $356,666 | |
Lennar Mortgage, LLC
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Conventional, VA | 5 | 1.7% | 71.4% | $363,000 | |
Select Lending Services, LLC
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Conventional, VA | 5 | 1.7% | 83.3% | $335,000 | |
Vellum Mortgage, Inc.
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Conventional, FHA, VA | 5 | 1.7% | 100% | $383,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, VA, USDA | 5 | 1.7% | 100% | $329,000 | View |
TowneBank
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FHA, VA | 5 | 1.7% | 100% | $357,000 | |
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C3.9 ★Texas Ratio: 27.97% |
FHA, VA | 4 | 1.4% | 100% | $365,000 | View |
Primary Residential Mortgage, INC.
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Conventional, FHA, VA | 4 | 1.4% | 100% | $387,500 | |
Cmg Mortgage Inc
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FHA, VA, USDA | 4 | 1.4% | 100% | $265,000 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 3 +1 HELOCs |
1% | 75% | $438,333 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +1 HELOCs |
1% | 100% | $108,333 | |
Primelending
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Conventional, FHA | 3 | 1% | 100% | $471,666 | |
CrossCountry Mortgage, LLC
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FHA, VA | 3 | 1% | 100% | $278,333 | |
Amerisave Mortgage Company
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Conventional, VA | 3 | 1% | 60% | $145,000 | |
Das Acquisition Company, LLC
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Conventional, FHA | 3 | 1% | 100% | $455,000 | |
New Day Financial, LLC.
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VA | 3 | 1% | 100% | $415,000 | |
Waterstone Mortgage Corporation
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VA, USDA | 3 | 1% | 100% | $401,666 | |
Loansteady LLC
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VA | 2 | 0.7% | 100% | $420,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.7% | 75% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 2 | 0.7% | 100% | $265,000 | View |
Sun West Mortgage Company, Inc
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FHA, VA | 2 | 0.7% | 100% | $385,000 | |
Union Home Mortgage Corp.
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VA | 2 | 0.7% | 100% | $425,000 | |
Leaderone Financial Corp.
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VA | 2 | 0.7% | 100% | $465,000 | |
Champions Funding, LLC
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Conventional | 2 | 0.7% | 100% | $350,000 | |
Village Capital & Investment
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VA | 2 | 0.7% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $45,000 | View |
Equity Resources Inc
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Conventional | 1 | 0.3% | 50% | $475,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.3% | 50% | $335,000 | |
Atlantic Coast Mortgage, LLC
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VA | 1 | 0.3% | 100% | $385,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.3% | 100% | $295,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $485,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $205,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.3% | 100% | $315,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Financial Freedom Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 2.79% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Bay Equity LLC
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FHA | 1 | 0.3% | 100% | $245,000 | |
First Heritage Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Justice Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 0.3% | 100% | $435,000 | View |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.3% | 100% | $205,000 | View |
Nationstar Mortgage
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VA | 1 | 0.3% | 33.3% | $125,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.3% | 33.3% | $425,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.3% | 100% | $435,000 | |
Zillow Home Loans, LLC
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VA | 1 | 0.3% | 100% | $315,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.3% | 50% | $415,000 | |
New American Funding, LLC.
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FHA | 1 | 0.3% | 50% | $135,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.3% | 100% | $405,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 28.6% | $95,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.3% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.3% | 100% | $495,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.3% | 100% | $205,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
California 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 California, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in California? The list below shows the banks, credit unions and mortgage brokers that closed home loans in California in 2025, with lenders based there listed first.
Types of Mortgage Lenders in California, MD
Use these to narrow the list above. Each category shows how many California, MD lenders fit and what that kind of lender is usually best for.
Who Lends in California, MD
Independent mortgage companies closed 80.1 percent of home loans in California, Maryland in 2025, banks 9.8 percent and credit unions 10.1 percent. Lower, LLC was the largest mortgage company, Shore United Bank, N.A. the largest bank and Educational Systems FCU the largest credit union. Among lenders headquartered in Maryland, Shore United Bank, N.A. 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 California, MD
By home loans closed in 2025, Shore United Bank, N.A. was the largest mortgage lender in California, Maryland with 2 loans, about 0.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
28 lenders closed FHA loans in California, Maryland in 2025, led by First Home Mortgage with 8. 38 lenders closed VA loans, led by United Wholesale Mortgage, and 5 closed USDA rural loans. 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. 19 banks and 8 credit unions closed home loans in California, Maryland in 2025, alongside 56 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 California, 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 California, 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 California. 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.
