Mortgage Lenders and Brokers in Cambridge, 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
Cambridge, Maryland mortgage lenders include Truist BankTruist Bank601 Crusader Rd, Cambridge, MD 21613A+5.0 ★Texas Ratio: 2.87%, Shore United Bank, N.A.Shore United Bank, N.A.424 Dorchester Ave, Cambridge, MD 21613A5.0 ★Texas Ratio: 9.61%, Hebron Savings BankHebron Savings Bank6 Cedar St, Cambridge, MD 21613A+5.0 ★Texas Ratio: 0.82%, BayVanguard BankBayVanguard Bank304 High St, Cambridge, MD 21613A+5.0 ★Texas Ratio: 2.09%, Queenstown Bank of MarylandQueenstown Bank of Maryland110 Dorchester Avenue, Cambridge, MD 21613A+5.0 ★Texas Ratio: 0.78%, M&T BankM&T Bank405 Sunburst Hwy, Cambridge, MD 21613A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%, State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%, First Shore Federal Savings and Loan AssociationFirst Shore Federal Savings and Loan Association310 Franklin Ave, Berlin, MD 21811, and PNC Bank N.A.PNC Bank N.A.1004 Beards Hill Rd, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.24%. 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 Cambridge, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cambridge 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 Cambridge, Maryland
Market share is the lender's share of all home loans closed in Cambridge, 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 stars, 1 review 1 office in Cambridge 601 Crusader Rd, Cambridge, MD 21613 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 4 +5 HELOCs |
1.7% | 66.7% | $290,000 | View |
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1 office in Cambridge 424 Dorchester Ave, Cambridge, MD 21613 A5.0 ★Texas Ratio: 9.61% |
Conventional, FHA, VA | 4 | 1.7% | 57.1% | $230,000 | View |
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2 offices in Cambridge 6 Cedar St, Cambridge, MD 21613 A+5.0 ★Texas Ratio: 0.82% |
Conventional | 4 | 1.7% | 100% | $257,500 | View |
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2 offices in Cambridge 304 High St, Cambridge, MD 21613 A+5.0 ★Texas Ratio: 2.09% |
Conventional | 3 | 1.3% | 100% | $248,333 | View |
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1 office in Cambridge 110 Dorchester Avenue, Cambridge, MD 21613 A+5.0 ★Texas Ratio: 0.78% |
Conventional | 1 | 0.4% | 100% | $115,000 | View |
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1 office in Cambridge 405 Sunburst Hwy, Cambridge, MD 21613 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 6 | 2.5% | 100% | $230,000 | View |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, FHA, HELOC | 4 +6 HELOCs |
1.7% | 100% | $247,500 | |
First Shore Federal Savings and Loan Association
310 Franklin Ave, Berlin, MD 21811 |
Conventional | 2 | 0.8% | 100% | $255,000 | |
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★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $445,000 | View |
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2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
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24 N Main St, Berlin, MD 21811 A+5.0 ★Texas Ratio: 4.46% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
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19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874 A5.0 ★Texas Ratio: 9.36% |
Conventional | 1 | 0.4% | 100% | $45,000 | View |
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6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.4% | 100% | $275,000 | View |
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2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
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122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, USDA | 16 | 6.7% | 88.9% | $226,875 | View |
Nfm, Inc
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Conventional, FHA | 9 | 3.8% | 100% | $190,555 | |
Bay Capital Mortgage Corporation
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Conventional, VA, USDA | 6 | 2.5% | 85.7% | $296,666 | |
Direct Mortgage Loans, LLC
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Conventional, FHA | 3 | 1.3% | 100% | $265,000 | |
Fidelity Direct Mortgage, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $160,000 | |
Universal Mortgage & Finance, Inc
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FHA | 1 | 0.4% | 50% | $185,000 | |
Bayshore Mortgage Funding
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Conventional | 1 | 0.4% | 100% | $235,000 | |
1st Financial, Inc.
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FHA | 1 | 0.4% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.4% | 50% | $75,000 | View |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 27 | 11.3% | 81.8% | $315,370 | |
Rocket Mortgage
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Conventional, FHA, VA | 24 | 10% | 86.2% | $181,250 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 14 | 5.9% | 82.4% | $258,571 | |
Cmg Mortgage Inc
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Conventional, VA, USDA, HELOC | 10 +2 HELOCs |
4.2% | 100% | $262,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 9 | 3.8% | 100% | $259,444 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 6 | 2.5% | 100% | $290,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 6 | 2.5% | 60% | $226,666 | View |
Freedom Mortgage Corporation
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Conventional, VA | 5 | 2.1% | 83.3% | $241,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 5 | 2.1% | 100% | $213,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 4 | 1.7% | 100% | $165,000 | |
Mortgage Research Center
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VA | 4 | 1.7% | 66.7% | $282,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
0.8% | 66.7% | $145,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.8% | 50% | $45,000 | |
EMM Loans LLC
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Conventional | 2 | 0.8% | 100% | $250,000 | |
Newrez LLC
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VA, USDA | 2 | 0.8% | 66.7% | $270,000 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 2 | 0.8% | 100% | $255,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.8% | 100% | $130,000 | |
First Heritage Mortgage, LLC
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Conventional | 2 | 0.8% | 100% | $285,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.8% | 100% | $240,000 | |
Radius Financial Group Inc
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Conventional, FHA | 2 | 0.8% | 100% | $235,000 | |
Keystone Funding, Inc
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FHA, VA | 2 | 0.8% | 100% | $235,000 | |
TowneBank
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FHA, USDA | 2 | 0.8% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $345,000 | View |
Tidewater Mortgage Services, Inc
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USDA | 1 | 0.4% | 100% | $245,000 | |
American Financial Resources LLC
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FHA | 1 | 0.4% | 100% | $305,000 | |
Primelending
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Conventional | 1 | 0.4% | 100% | $365,000 | |
Atlantic Coast Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $265,000 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 0.4% | 100% | $275,000 | |
Success Lending, LLC
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FHA | 1 | 0.4% | 100% | $195,000 | |
Nbkc Bank
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VA | 1 | 0.4% | 100% | $215,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.4% | 50% | $305,000 | |
Movement Mortgage, LLC
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FHA | 1 | 0.4% | 50% | $225,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 12.5% | $195,000 | |
Data Mortgage, Inc
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FHA | 1 | 0.4% | 100% | $215,000 | |
Valley West Corporation
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FHA | 1 | 0.4% | 100% | $165,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.4% | 100% | $325,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.4% | 100% | $155,000 | |
Congressional Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $65,000 | |
Ameritrust Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $175,000 | |
Waterstone Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $265,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $345,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.4% | 100% | $185,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 50% | $245,000 | |
New American Funding, LLC.
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FHA | 1 | 0.4% | 33.3% | $395,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $295,000 | |
Partners 1St Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $5,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.4% | 100% | $365,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.4% | 33.3% | $305,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 66.7% | $305,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Cambridge 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 Cambridge, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Cambridge? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cambridge in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cambridge, MD
Use these to narrow the list above. Each category shows how many Cambridge, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Cambridge, MD
Independent mortgage companies closed 79.5 percent of home loans in Cambridge, Maryland in 2025, banks 14.2 percent and credit unions 6.3 percent. First Home Mortgage was the largest mortgage company, Truist Bank the largest bank and State Employees Credit Union of MD the largest credit union. Among lenders headquartered in Maryland, Shore United Bank, N.A. led with 4 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 Cambridge, MD
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Cambridge, Maryland with 4 loans, about 1.7 percent of the market. The largest lender headquartered in Maryland was Shore United Bank, N.A. with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
36 lenders closed FHA loans in Cambridge, Maryland in 2025, led by First Home Mortgage with 8. 17 lenders closed VA loans, led by United Wholesale Mortgage, and 6 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. 20 banks and 8 credit unions closed home loans in Cambridge, Maryland in 2025, alongside 52 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 Cambridge, 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 Cambridge, 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 Cambridge. 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.
