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Mortgage Lenders and Brokers in Columbia, Maryland

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Columbia, Maryland mortgage lenders include First National Bank of PAFirst National Bank of PA10840 Little Patuxent Pkwy, Columbia, MD 21044A+5.0 ★Texas Ratio: 1.62%, Truist BankTruist Bank8200 Snowden River Pkwy, Columbia, MD 21045A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA8808 Centre Park Dr, Columbia, MD 21045A+5.0 ★Texas Ratio: 5.36%, M&T BankM&T Bank4915 Executive Park Dr, Columbia, MD 21045A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA8600 Guilford Rd, Columbia, MD 21046A+5.0 ★Texas Ratio: 3.68%, Fulton Bank, National AssociationFulton Bank, National Association7185 Columbia Gateway Dr, Columbia, MD 21046A+5.0 ★Texas Ratio: 4.85%, Bank of America NABank of America NA7170 Cradlerock Way, Columbia, MD 21045A+5.0 ★Texas Ratio: 4.14%, Lower, LLCLower, LLC9021 Snowden Square Dr, Columbia, MD 21046, PNC Bank N.A.PNC Bank N.A.6130 Columbia Crossing Cir, Columbia, MD 21045A+5.0 ★Texas Ratio: 4.24%, and Capital Bank, N.A.Capital Bank, N.A.6711 Columbia Gateway Dr, Columbia, MD 21046A-5.0 ★Texas Ratio: 15.49%. 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 Columbia, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Columbia 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 Columbia, Maryland

Market share is the lender's share of all home loans closed in Columbia, 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
First National Bank of PA 1 office in Columbia 10840 Little Patuxent Pkwy, Columbia, MD 21044 A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo, HELOC	26 +9 HELOCs	1.7%	68.4%	$655,000	View
Truist Bank ★ 1 stars, 1 review 2 offices in Columbia 8200 Snowden River Pkwy, Columbia, MD 21045 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, Jumbo, HELOC	25 +42 HELOCs	1.6%	92.6%	$529,000	View
Wells Fargo Bank NA 1 office in Columbia 8808 Centre Park Dr, Columbia, MD 21045 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	22	1.4%	84.6%	$393,636	View
M&T Bank 4 offices in Columbia 4915 Executive Park Dr, Columbia, MD 21045 A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, VA, Jumbo, HELOC	21 +42 HELOCs	1.3%	87.5%	$792,619	View
JPMorgan Chase Bank, NA 2 offices in Columbia 8600 Guilford Rd, Columbia, MD 21046 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo, HELOC	21 +1 HELOCs	1.3%	92%	$490,714	View
Fulton Bank, National Association 2 offices in Columbia 7185 Columbia Gateway Dr, Columbia, MD 21046 A+5.0 ★Texas Ratio: 4.85%	Conventional, FHA, Jumbo, HELOC	14 +20 HELOCs	0.9%	87.5%	$913,571	View
Bank of America NA 4 offices in Columbia 7170 Cradlerock Way, Columbia, MD 21045 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	11 +50 HELOCs	0.7%	84.6%	$462,272	View
Lower, LLC 9021 Snowden Square Dr, Columbia, MD 21046	Conventional, FHA	10	0.6%	100%	$386,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Columbia 6130 Columbia Crossing Cir, Columbia, MD 21045 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	6 +34 HELOCs	0.4%	87.5%	$260,000	View
Capital Bank, N.A. 1 office in Columbia 6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49%	Conventional, FHA, VA	4	0.3%	80%	$502,500	View
Pinnacle Bank 1 office in Columbia 6000 Merriweather Dr, Columbia, MD 21044 A+5.0 ★Texas Ratio: 3.04%	Conventional, Jumbo	2	0.1%	66.7%	$1,435,000	View
Tower Federal Credit Union 9021 Snowden Square Dr, Columbia, MD 21046 A+5.0 ★Texas Ratio: 1.97%	Conventional, Jumbo, HELOC	26 +40 HELOCs	1.7%	87.1%	$388,461
State Employees Credit Union of MD 8630 Snowden River Pkwy, Columbia, MD 21045 A5.0 ★Texas Ratio: 6.00%	Conventional, VA, Jumbo, HELOC	23 +57 HELOCs	1.5%	88.5%	$431,956
APL Federal Credit Union 8870 McGaw Rd, Columbia, MD 21045 A+5.0 ★Texas Ratio: 2.79%	Conventional, HELOC	13 +46 HELOCs	0.8%	92.9%	$62,692	View
TD Bank 2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	9 +3 HELOCs	0.6%	90%	$840,555	View
Presidential Bank, FSB 4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA	8	0.5%	100%	$400,000	View
Shore United Bank, N.A. 200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61%	Conventional, Jumbo	8	0.5%	80%	$1,256,250	View
Atlantic Union Bank 166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51%	Conventional, FHA, HELOC	7 +18 HELOCs	0.4%	70%	$409,285	View
Educational Systems FCU 2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40%	Conventional, HELOC	6 +5 HELOCs	0.4%	100%	$341,666	View
Nasa Federal Credit Union 7085 Minstrel Way, Columbia, MD 21046 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	5 +6 HELOCs	0.3%	100%	$219,000	View
Wesbanco Bank, Inc. 2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo, HELOC	5 +5 HELOCs	0.3%	100%	$1,179,000	View
Johns Hopkins FCU 1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732 A+5.0 ★Texas Ratio: 2.64%	Conventional	4	0.3%	71.4%	$200,000	View
United Bank Va 1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15%	Conventional, Jumbo	3	0.2%	100%	$751,666	View
Point Breeze Credit Union 5 Philadelphia Ct, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 1.64%	Conventional, Jumbo	3	0.2%	100%	$351,666	View
Arundel Federal Savings Bank ★ 5 stars, 1 review 2661 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.77%	Conventional	3	0.2%	100%	$388,333	View
Citizens Bank, NA 7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	2 +18 HELOCs	0.1%	100%	$980,000	View
Dollar Bank, FSB 1275 National Hwy, Cumberland, MD 21502 A+5.0 ★Texas Ratio: 5.29%	Conventional, Jumbo	2	0.1%	100%	$890,000	View
Securityplus FCU 7135 Windsor Blvd, Baltimore, MD 21244 A5.0 ★Texas Ratio: 9.19%	Conventional	2	0.1%	100%	$515,000	View
Aberdeen Proving Ground FCU 996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733 A+5.0 ★Texas Ratio: 4.35%	Conventional	2	0.1%	100%	$410,000	View
Andrews Federal Credit Union 1677 D St, JB Andrews, MD 20762 A5.0 ★Texas Ratio: 10.28%	Conventional	2	0.1%	100%	$505,000	View
Lafayette Federal Credit Union 7537 Greenbelt Rd, Greenbelt, MD 20770 3403	Conventional, HELOC	1 +4 HELOCs	0.1%	50%	$275,000
Orrstown Bank 8216 Philadelphia Rd, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$515,000	View
Trustar Bank 7901 Norfolk Avenue, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.1%	100%	$805,000	View
Cathay Bank 650 Hungerford Dr, Rockville, MD 20850 A+5.0 ★Texas Ratio: 4.57%	Conventional, Jumbo	1	0.1%	100%	$1,005,000	View
Industrial Bank 7610 Pennsylvania Ave, Forestville, MD 20747 C+4.2 ★Texas Ratio: 24.57%	Conventional, Jumbo	1	0.1%	50%	$1,505,000	View
Mid-Atlantic FCU 555 Quince Orchard Rd, Gaithersburg, MD 20878 A+5.0 ★Texas Ratio: 4.60%	Conventional	1	0.1%	100%	$655,000	View
First United Bank & Trust 207 N Main St, Boonsboro, MD 21713 A+5.0 ★Texas Ratio: 2.11%	Conventional, Jumbo	1	0.1%	100%	$985,000	View
First Financial of Maryland Federal Credit Union 8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01%	Conventional	1	0.1%	100%	$55,000	View
Cnb Bank Inc. 1591 Potomac Ave, Hagerstown, MD 21742 A+5.0 ★Texas Ratio: 0.74%	Conventional	1	0.1%	100%	$465,000	View
Rosedale Bank 3111 Emmorton Rd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 1.98%	Conventional	1	0.1%	50%	$655,000	View
Citibank, NA 8001 Wisconsin Ave, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$535,000	View
Prince Georges Community FCU 6985 Muirkirk Meadows Dr, Beltsville, MD 20705 A+5.0 ★Texas Ratio: 3.40%	HELOC	0 +1 HELOCs	0%	n/a		View
FedChoice Federal Credit Union 10001 Willowdale Rd, Lanham, MD 20706 4321 A+5.0 ★Texas Ratio: 4.50%	HELOC	0 +1 HELOCs	0%	n/a		View
Univest Bank and Trust Co. 175 W Ostend Street, Baltimore, MD 21230 A5.0 ★Texas Ratio: 6.10%	HELOC	0 +1 HELOCs	0%	n/a		View
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	64	4.1%	100%	$441,562	View
Nfm, Inc	Conventional, FHA, VA	23	1.5%	92%	$469,347
Direct Mortgage Loans, LLC	Conventional, FHA, VA	16	1%	94.1%	$440,000
Bay Capital Mortgage Corporation	Conventional, VA	10	0.6%	83.3%	$488,000
Nih Federal Credit Union	Conventional	4	0.3%	80%	$310,000
All Credit Considered Mortgage, Inc.	Conventional	2	0.1%	100%	$275,000
The Mortgage Link, Inc.	Conventional	2	0.1%	100%	$285,000
Fidelity Direct Mortgage, LLC	Conventional	1	0.1%	50%	$255,000
Universal Mortgage & Finance, Inc	VA	1	0.1%	100%	$525,000
Ivy Mortgage, Inc.	Conventional	1	0.1%	100%	$595,000
My Mortgage, Inc	Conventional	1	0.1%	100%	$385,000
Municipal Employees Credit Union A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	50%	$415,000	View
Rocket Mortgage	Conventional, FHA, VA, Jumbo	171	10.9%	83.7%	$376,111
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	84 +4 HELOCs	5.3%	88%	$502,261
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	56	3.6%	85.1%	$360,357
Prosperity Home Mortgage, LLC	Conventional, FHA, VA, Jumbo	47	3%	95.9%	$396,702
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	45 +36 HELOCs	2.9%	63%	$321,222	View
TowneBank	Conventional, FHA, VA	41	2.6%	95.3%	$385,487
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	32 +1 HELOCs	2%	97%	$417,500
Newrez LLC	Conventional, FHA, VA, Jumbo	32	2%	74.4%	$414,062
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	27	1.7%	91.2%	$460,555
Nationstar Mortgage	Conventional, FHA, VA	24	1.5%	80%	$216,666
Primary Residential Mortgage, INC.	Conventional, FHA, VA	20	1.3%	95.2%	$428,000
Embrace Home Loans, Inc.	Conventional, FHA, VA	19	1.2%	100%	$486,052
Fairway Independent Mort Corp	Conventional, FHA, VA	18	1.1%	94.7%	$442,777
SWBC Mortgage Corporation	Conventional, FHA, Jumbo	17	1.1%	94.7%	$489,705
Mortgage Research Center	Conventional, VA, Jumbo	17	1.1%	58.6%	$465,588
Guaranteed Rate, Inc.	Conventional, FHA, VA	16	1%	94.1%	$534,375
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional, FHA, VA, HELOC	15 +2 HELOCs	1%	100%	$557,666	View
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	15 +1 HELOCs	1%	100%	$365,666
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA, Jumbo	15	1%	100%	$533,666
The Loan Store, Inc	Conventional, FHA, HELOC	13 +1 HELOCs	0.8%	94.1%	$402,692
Originpoint, LLC	Conventional, FHA, VA, Jumbo	13	0.8%	100%	$558,076
Guild Mortgage Company	Conventional, FHA, VA	13	0.8%	100%	$370,384
Spring Eq, LLC	Conventional, HELOC	11 +9 HELOCs	0.7%	47.8%	$142,272
Provident Funding Associates	Conventional	11	0.7%	84.6%	$483,181
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	11	0.7%	91.7%	$166,818	View
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	10 +8 HELOCs	0.6%	76.9%	$630,000
Churchill Mortgage Corporation	Conventional, FHA, VA, Jumbo	10	0.6%	100%	$497,000
Equity Resources Inc	Conventional, Jumbo	9	0.6%	100%	$566,111
First Savings Mortgage Corporation	Conventional, FHA, Jumbo	9	0.6%	100%	$603,888
First Heritage Mortgage, LLC	Conventional, FHA	9	0.6%	100%	$458,333
Union Home Mortgage Corp.	Conventional, FHA, HELOC	8 +2 HELOCs	0.5%	88.9%	$388,750
Atlantic Coast Mortgage, LLC	Conventional, FHA, VA	8	0.5%	100%	$360,000
Southern Trust Mortgage, LLC	Conventional, VA	8	0.5%	100%	$551,250
Vellum Mortgage, Inc.	Conventional, FHA, VA, Jumbo	8	0.5%	100%	$511,250
Zillow Home Loans, LLC	Conventional, FHA, VA	8	0.5%	100%	$391,250
Credit Union Mortgage Associat	Conventional, FHA	7	0.4%	87.5%	$489,285
Paramount Residential Mortgage	Conventional, FHA, VA	7	0.4%	100%	$410,714
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	6	0.4%	85.7%	$475,000	View
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA, Jumbo	6	0.4%	77.8%	$555,000	View
Bay Equity LLC	Conventional, FHA, VA	6	0.4%	100%	$501,666
Pentagon Federal Credit Union	Conventional, FHA, VA, HELOC	5 +14 HELOCs	0.3%	50%	$419,000
Everett Financial, Inc.	Conventional, FHA, VA	5	0.3%	83.3%	$491,000
American Financial Network, Inc.	Conventional, FHA	5	0.3%	100%	$339,000
Das Acquisition Company, LLC	Conventional, FHA	5	0.3%	100%	$485,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA, Jumbo	5	0.3%	71.4%	$653,000	View
Mutual of Omaha Mortgage	Conventional, VA	5	0.3%	83.3%	$529,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	4 +4 HELOCs	0.3%	44.4%	$727,500	View
Sierra Pacific Mortgage Co. Inc	Conventional, HELOC	4 +1 HELOCs	0.3%	100%	$515,000
Northrop Grumman Federal Credit Union	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.3%	100%	$380,000
Nbkc Bank	Conventional, VA	4	0.3%	100%	$610,000
Equity Prime Mortgage LLC	FHA, VA	4	0.3%	100%	$307,500
Guidance Residential, LLC	Conventional	4	0.3%	100%	$375,000
PHH Mortgage Corporation	Conventional, FHA, Jumbo	4	0.3%	100%	$645,000
Nmsi, Inc.	Conventional	4	0.3%	100%	$437,500
United Nations Federal CU	Conventional	4	0.3%	100%	$502,500
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +7 HELOCs	0.2%	100%	$171,666	View
Better Mortgage Corporation	Conventional, HELOC	3 +4 HELOCs	0.2%	75%	$231,666
HomeBridge Financial Services, Inc	Conventional, HELOC	3 +3 HELOCs	0.2%	75%	$441,666
Lakeview Loan Servicing, LLC	FHA, VA, Jumbo	3	0.2%	28.6%	$791,666
Envoy Mortgage, Ltd	Conventional, FHA	3	0.2%	100%	$485,000
Kind Lending, LLC	Conventional, FHA	3	0.2%	33.3%	$368,333
Movement Mortgage, LLC	Conventional, VA	3	0.2%	100%	$528,333
Intercoastal Mortgage, LLC	VA, Jumbo	3	0.2%	100%	$558,333
Click n' Close, Inc.	Conventional, FHA	3	0.2%	100%	$201,666
Total Mortgage Services, LLC	Conventional	3	0.2%	100%	$491,666
Planet Home Lending, LLC	Conventional, VA, Jumbo	3	0.2%	75%	$468,333
American Pacific Mortgage Corporation	Conventional, FHA	3	0.2%	75%	$358,333
Nationwide Mortgage Bankers, Inc.	FHA	3	0.2%	100%	$435,000
Geneva Financial LLC	Conventional, FHA	3	0.2%	100%	$255,000
Carrington Mortgage Services LLC	Conventional, FHA	3	0.2%	30%	$215,000
Ark-La-Tex Financial Services LLC	Conventional, VA	3	0.2%	100%	$321,666
Tomo Mortgage LLC	Conventional	3	0.2%	100%	$555,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	3	0.2%	100%	$418,333	View
New American Funding, LLC.	FHA, VA, HELOC	2 +3 HELOCs	0.1%	50%	$490,000
Arc Home LLC	Conventional, FHA, Jumbo	2	0.1%	100%	$1,235,000
EMM Loans LLC	Conventional, FHA	2	0.1%	100%	$455,000
First Community Mortgage, Inc.	Conventional	2	0.1%	66.7%	$400,000
Primelending	Conventional, VA	2	0.1%	100%	$445,000
Sage Home Loans Corporation	Conventional	2	0.1%	100%	$350,000
AAA Capital Investment, Inc	Conventional	2	0.1%	100%	$235,000
Norwich Commercial Group Inc	FHA, VA	2	0.1%	100%	$480,000
Amerisave Mortgage Company	Conventional, FHA	2	0.1%	10.5%	$115,000
City Lending Inc.	Conventional	2	0.1%	50%	$230,000
First Alliance Home Mortgage, LLC	Conventional	2	0.1%	100%	$185,000
Sun West Mortgage Company, Inc	Conventional	2	0.1%	75%	$600,000
New Wave Lending Group Inc	Conventional	2	0.1%	100%	$405,000
Select Lending Services, LLC	Conventional	2	0.1%	100%	$340,000
Cardinal Financial Company, Li	Conventional	2	0.1%	100%	$365,000
Ameritrust Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$400,000
Stg Mortgage Inc	FHA	2	0.1%	100%	$520,000
American Internet Mortgage, Inc.	Conventional	2	0.1%	100%	$630,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	2	0.1%	100%	$505,000	View
T2 Financial LLC	Conventional, VA	2	0.1%	100%	$410,000
Mortgage Equity Partners LLC	Conventional	2	0.1%	100%	$250,000
Emet Lending Group, Inc.	Conventional, FHA	2	0.1%	100%	$305,000
Uif Corporation	Conventional	2	0.1%	100%	$590,000
Radius Financial Group Inc	Conventional	2	0.1%	100%	$420,000
Keystone Funding, Inc	Conventional, FHA	2	0.1%	100%	$480,000
Nations Direct Mortgage, LLC	Conventional, VA	2	0.1%	100%	$545,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	2	0.1%	100%	$420,000	View
Plaza Home Mortgage, Inc	Conventional	2	0.1%	100%	$575,000
Bank Fund Staff Federal Credit	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$445,000
Goodleap, LLC	FHA, HELOC	1 +2 HELOCs	0.1%	25%	$395,000
Langley Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$785,000
Apple Federal Credit Union A+5.0 ★Texas Ratio: 2.79%	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$55,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$235,000	View
American Portfolio Mortgage Corporation	Conventional	1	0.1%	100%	$605,000
Tidewater Mortgage Services, Inc	VA	1	0.1%	100%	$735,000
American Financial Resources LLC	FHA	1	0.1%	100%	$425,000
Cliffco, Inc.	Conventional	1	0.1%	100%	$715,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$235,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	50%	$305,000	View
TruMark Financial Credit Union	Conventional	1	0.1%	100%	$605,000
ALCOVA Mortgage, LLC	Conventional	1	0.1%	100%	$335,000
Loansteady LLC	Conventional	1	0.1%	100%	$425,000
Allied Mortgage Group, Inc	FHA	1	0.1%	100%	$455,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	100%	$235,000	View
Bank of Hope A+5.0 ★Texas Ratio: 4.07%	Conventional	1	0.1%	100%	$455,000	View
Dart Bank	FHA	1	0.1%	100%	$465,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$315,000
Advancial Federal Credit Union	Conventional	1	0.1%	100%	$455,000
Resicentral LLC	Conventional, Jumbo	1	0.1%	100%	$1,505,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$545,000
Synergy One Lending, Inc.	Conventional	1	0.1%	100%	$615,000
AdvantageFirst Lending Inc	FHA	1	0.1%	50%	$225,000
Orion Federal Credit Union A+5.0 ★Texas Ratio: 0.68%	FHA	1	0.1%	100%	$635,000	View
Instamortgage, Inc	Conventional	1	0.1%	100%	$615,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$335,000
Valley West Corporation	Conventional	1	0.1%	100%	$425,000
NJ Lenders Corp	Conventional	1	0.1%	100%	$135,000
American Financing Corporation	Conventional	1	0.1%	50%	$805,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$185,000
ClearPath Lending	VA	1	0.1%	100%	$365,000
Federated Mortgage Corp	Conventional	1	0.1%	100%	$295,000
American Federal Mortgage Corporation	Conventional	1	0.1%	100%	$325,000
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$255,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$465,000
Real Genius LLC	Conventional	1	0.1%	100%	$195,000
Aurora Financial, LLC	Conventional	1	0.1%	100%	$445,000
Highlands Residential Mortgage, Ltd.	FHA	1	0.1%	100%	$395,000
Service Federal Credit Union	Conventional	1	0.1%	100%	$95,000
Greenbox Loans	Conventional	1	0.1%	100%	$335,000
Capital Center LLC	Conventional	1	0.1%	100%	$245,000
Shoreham Bank	FHA	1	0.1%	100%	$535,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$655,000	View
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional, Jumbo	1	0.1%	100%	$1,125,000	View
Peoples Mortgage Company	Conventional	1	0.1%	100%	$605,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$615,000	View
Old Dominion National Bank A5.0 ★Texas Ratio: 6.07%	Conventional, Jumbo	1	0.1%	100%	$815,000	View
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	100%	$255,000
Ithink Financial Credit Union	Conventional, Jumbo	1	0.1%	100%	$825,000
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	1	0.1%	100%	$595,000	View
First Western Federal Savings Bank	Conventional	1	0.1%	100%	$155,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$155,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	33.3%	$305,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$755,000
Genway Home Mortgage, Inc.	VA	1	0.1%	100%	$375,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	VA	1	0.1%	100%	$355,000	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	100%	$315,000	View
ClearEdge Lending LLC	Conventional, Jumbo	1	0.1%	100%	$1,155,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	50%	$585,000	View
Texana Bank	Conventional	1	0.1%	50%	$455,000
Cake Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$915,000
Village Capital & Investment	VA	1	0.1%	60%	$595,000
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$455,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +9 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +8 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +8 HELOCs	0%	n/a
Usalliance Federal Credit Union A5.0 ★Texas Ratio: 8.11%	HELOC	0 +2 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Elements Financial Federal Cre	HELOC	0 +2 HELOCs	0%	n/a
Nrl Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Franklin Mint Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Corning Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	100%
State Departmenet Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
First Technology Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Columbia Mortgage Rate Trends

Daily average mortgage rates for Maryland compared with the national average, updated every evening.

30-Year Fixed MD Avg

7.259%

▲ 0.075 vs 7 days ago

15-Year Fixed MD Avg

6.805%

▲ 0.055 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Columbia, Maryland

Looking for mortgage lenders near me or mortgage brokers near me in Columbia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Columbia in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Columbia, MD

Use these to narrow the list above. Each category shows how many Columbia, MD lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 136 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 59 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 39 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 78 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 61 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 52 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MD 34 lenders headquartered in Maryland, the closest thing to a mortgage lender near you

Who Lends in Columbia, MD

Independent mortgage companies closed 69.1 percent of home loans in Columbia, Maryland in 2025, banks 20.3 percent and credit unions 10.6 percent. Lower, LLC was the largest mortgage company, First National Bank of PA the largest bank and Tower Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Lower, LLC led with 10 loans.

69.1%

Mortgage companies

20.3%

Banks

10.6%

Credit unions

10%

FHA loans

12%

VA 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

All Maryland lenders 631 lenders Baltimore 316 lenders Frederick 198 lenders Waldorf 193 lenders Bowie 190 lenders Ellicott City 184 lenders Glen Burnie 186 lenders Bel Air South 158 lenders Germantown 179 lenders Odenton 173 lenders Pasadena 160 lenders Dundalk 146 lenders Rockville 157 lenders

Frequently Asked Questions About Mortgage Lenders in Columbia, MD

Who is the largest mortgage lender in Columbia, MD?

By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in Columbia, Maryland with 26 loans, about 1.7 percent of the market. The largest lender headquartered in Maryland was Lower, LLC with 10 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Columbia, MD have the highest approval rates?

Among lenders with meaningful volume in Columbia, Maryland, First Home Mortgage approved the highest share of completed applications in 2025 at 100 percent, against a 84.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Columbia, MD mortgage lenders offer FHA, VA and USDA loans?

78 lenders closed FHA loans in Columbia, Maryland in 2025, led by Rocket Mortgage with 14. 61 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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.

Are credit unions and local banks included in this Columbia, MD lender list?

Yes. 59 banks and 39 credit unions closed home loans in Columbia, Maryland in 2025, alongside 136 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.

How are mortgage lenders in Columbia, MD ranked on this page?

Lenders are ranked only by the number of home loans they closed in Columbia, 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 Columbia, 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 Columbia. 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.