Mortgage Lenders and Brokers in Charlotte Hall, 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
Charlotte Hall, Maryland mortgage lenders include Shore United Bank, N.A.Shore United Bank, N.A.30165 Three Notch Rd, Charlotte Hall, MD 20622A5.0 ★Texas Ratio: 9.61%, PNC Bank N.A.PNC Bank N.A.37650 Oak Station Rd, Charlotte Hall, MD 20622A+5.0 ★Texas Ratio: 4.24%, M&T BankM&T Bank37660 Mohawk Dr, Charlotte Hall, MD 20622A+5.0 ★Texas Ratio: 4.11%, Truist BankTruist Bank29946 Three Notch Rd, Charlotte Hall, MD 20622A+5.0 ★Texas Ratio: 2.87%, Educational Systems FCUEducational Systems FCU2625 Riva Rd Ste C, Annapolis, MD 21401 7375A+5.0 ★Texas Ratio: 3.40%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%, Presidential Bank, FSBPresidential Bank, FSB4520 East West Hwy, Bethesda, MD 20814A-4.9 ★Texas Ratio: 16.48%, Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.2530 Riva Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 3.87%, 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 Charlotte Hall, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Charlotte Hall 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 Charlotte Hall, Maryland
Market share is the lender's share of all home loans closed in Charlotte Hall, 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 Charlotte Hall 30165 Three Notch Rd, Charlotte Hall, MD 20622 A5.0 ★Texas Ratio: 9.61% |
Conventional, Jumbo | 3 | 3.4% | 50% | $458,333 | View |
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★ 1.7 stars, 3 reviews 1 office in Charlotte Hall 37650 Oak Station Rd, Charlotte Hall, MD 20622 A+5.0 ★Texas Ratio: 4.24% |
FHA, HELOC | 1 +5 HELOCs |
1.1% | 100% | $295,000 | View |
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1 office in Charlotte Hall 37660 Mohawk Dr, Charlotte Hall, MD 20622 A+5.0 ★Texas Ratio: 4.11% |
VA, HELOC | 1 +1 HELOCs |
1.1% | 100% | $305,000 | View |
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★ 1 stars, 1 review 1 office in Charlotte Hall 29946 Three Notch Rd, Charlotte Hall, MD 20622 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | 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 |
1.1% | 50% | $65,000 | View |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.1% | 100% | $175,000 | View |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 1.1% | 100% | $265,000 | 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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2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +1 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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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA, USDA | 11 | 12.6% | 100% | $376,818 | View |
Bay Capital Mortgage Corporation
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Conventional, USDA | 2 | 2.3% | 100% | $375,000 | |
Fidelity Direct Mortgage, LLC
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FHA | 1 | 1.1% | 100% | $465,000 | |
Direct Mortgage Loans, LLC
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FHA | 1 | 1.1% | 100% | $355,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 7 | 8% | 80% | $149,285 | |
Pennymac Loan Services LLC
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Conventional, VA | 7 | 8% | 100% | $346,428 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
5.7% | 100% | $495,000 | |
Newrez LLC
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Conventional, FHA | 5 | 5.7% | 100% | $207,000 | |
Waterstone Mortgage Corporation
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Conventional, FHA, VA | 4 | 4.6% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +2 HELOCs |
3.4% | 50% | $301,666 | View |
Freedom Mortgage Corporation
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Conventional, VA | 3 | 3.4% | 100% | $488,333 | |
Embrace Home Loans, Inc.
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VA, Jumbo | 3 | 3.4% | 100% | $831,666 | |
Atlantic Coast Mortgage, LLC
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Conventional | 2 | 2.3% | 100% | $700,000 | |
Select Lending Services, LLC
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Conventional, VA | 2 | 2.3% | 100% | $415,000 | |
Southern Trust Mortgage, LLC
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Conventional, VA | 2 | 2.3% | 100% | $445,000 | |
Colonial Farm Credit ACA
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Conventional | 2 | 2.3% | 100% | $310,000 | |
TowneBank
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Conventional, USDA | 2 | 2.3% | 100% | $340,000 | |
Equity Resources Inc
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Conventional | 1 | 1.1% | 100% | $545,000 | |
Goodleap, LLC
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FHA | 1 | 1.1% | 100% | $305,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.1% | 100% | $405,000 | |
loanDepot.com LLC
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VA | 1 | 1.1% | 33.3% | $465,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.1% | 100% | $385,000 | View |
Bay Equity LLC
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VA | 1 | 1.1% | 100% | $485,000 | |
Congressional Federal Credit Union
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Conventional | 1 | 1.1% | 100% | $45,000 | |
New Day Financial, LLC.
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VA | 1 | 1.1% | 50% | $405,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.1% | 50% | $55,000 | |
Mortgage Research Center
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VA | 1 | 1.1% | 100% | $445,000 | |
Nrl Federal Credit Union
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Conventional | 1 | 1.1% | 100% | $185,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 1.1% | 100% | $435,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 1.1% | 100% | $425,000 | |
The Loan Store, Inc
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Conventional | 1 | 1.1% | 100% | $265,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 1.1% | 100% | $395,000 | View |
Spring Eq, LLC
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Conventional | 1 | 1.1% | 50% | $55,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 1.1% | 100% | $275,000 | |
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 |
Charlotte Hall 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 Charlotte Hall, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Charlotte Hall? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Charlotte Hall in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Charlotte Hall, MD
Use these to narrow the list above. Each category shows how many Charlotte Hall, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Charlotte Hall, MD
Independent mortgage companies closed 75.9 percent of home loans in Charlotte Hall, Maryland in 2025, banks 17.2 percent and credit unions 6.9 percent. First Home Mortgage 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 3 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 Charlotte Hall, MD
By home loans closed in 2025, Shore United Bank, N.A. was the largest mortgage lender in Charlotte Hall, Maryland with 3 loans, about 3.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Charlotte Hall, Maryland in 2025, led by First Home Mortgage with 3. 17 lenders closed VA loans, led by Embrace Home Loans, Inc., and 3 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. 13 banks and 5 credit unions closed home loans in Charlotte Hall, Maryland in 2025, alongside 28 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 Charlotte Hall, 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 Charlotte Hall, 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 Charlotte Hall. 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.
