Mortgage Lenders and Brokers in Cumberland, 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
Cumberland, Maryland mortgage lenders include Chessie Federal Credit UnionChessie Federal Credit Union122 W Union St, Cumberland, MD 21502A+5.0 ★Texas Ratio: 2.92%, Dollar Bank, FSBDollar Bank, FSB1275 National Hwy, Cumberland, MD 21502A+5.0 ★Texas Ratio: 5.29%, Truist BankTruist Bank19 S George St, Cumberland, MD 21502A+5.0 ★Texas Ratio: 2.87%, M&T BankM&T Bank166 Baltimore St, Cumberland, MD 21502A+5.0 ★Texas Ratio: 4.11%, First Peoples CfcuFirst Peoples CfcuCumberland, MD, First United Bank & TrustFirst United Bank & Trust1501 E Oldtown Rd, Cumberland, MD 21502A+5.0 ★Texas Ratio: 2.11%, ACT 1st FCUACT 1st FCU11905 Messick Rd SE, Cumberland, MD 21502A5.0 ★Texas Ratio: 12.54%, State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%, WEPCO Federal Credit UnionWEPCO Federal Credit Union1101 E Oldtown Rd, Cumberland, MD 21502 4039A+5.0 ★Texas Ratio: 3.89%, and Presidential Bank, FSBPresidential Bank, FSB4520 East West Hwy, Bethesda, MD 20814A-4.9 ★Texas Ratio: 16.48%. 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 Cumberland, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cumberland 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 Cumberland, Maryland
Market share is the lender's share of all home loans closed in Cumberland, 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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122 W Union St, Cumberland, MD 21502 A+5.0 ★Texas Ratio: 2.92% |
Conventional | 24 | 7.8% | 88.9% | $76,666 | View |
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2 offices in Cumberland 1275 National Hwy, Cumberland, MD 21502 A+5.0 ★Texas Ratio: 5.29% |
Conventional, FHA, HELOC | 10 +2 HELOCs |
3.2% | 91.7% | $76,000 | View |
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★ 1 stars, 1 review 1 office in Cumberland 19 S George St, Cumberland, MD 21502 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, HELOC | 7 +3 HELOCs |
2.3% | 100% | $165,000 | View |
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1 office in Cumberland 166 Baltimore St, Cumberland, MD 21502 A+5.0 ★Texas Ratio: 4.11% |
FHA, HELOC | 2 +14 HELOCs |
0.6% | 100% | $145,000 | View |
First Peoples Cfcu
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Conventional | 29 | 9.4% | 96.7% | $96,379 | |
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1501 E Oldtown Rd, Cumberland, MD 21502 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 20 | 6.5% | 95.8% | $145,000 | View |
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11905 Messick Rd SE, Cumberland, MD 21502 A5.0 ★Texas Ratio: 12.54% |
Conventional | 10 | 3.2% | 100% | $73,000 | View |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 6 +5 HELOCs |
1.9% | 100% | $188,333 | |
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1101 E Oldtown Rd, Cumberland, MD 21502 4039 A+5.0 ★Texas Ratio: 3.89% |
Conventional | 2 | 0.6% | 100% | $60,000 | View |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
FHA | 1 | 0.3% | 100% | $135,000 | View |
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1591 Potomac Ave, Hagerstown, MD 21742 A+5.0 ★Texas Ratio: 0.74% |
Conventional | 1 | 0.3% | 100% | $415,000 | View |
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1101 Frederick St, Hagerstown, MD 21740 A+5.0 ★Texas Ratio: 0.66% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
FHA | 1 | 0.3% | 100% | $125,000 | |
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8216 Philadelphia Rd, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
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7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Millennium Financial Group Inc dba Mlend
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Conventional, FHA | 2 | 0.6% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.6% | 100% | $250,000 | View |
Nfm, Inc
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Conventional | 2 | 0.6% | 100% | $235,000 | |
Direct Mortgage Loans, LLC
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Conventional | 2 | 0.6% | 100% | $170,000 | |
ALCOVA Mortgage, LLC
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Conventional, FHA, USDA | 41 | 13.3% | 98% | $133,536 | |
Rocket Mortgage
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Conventional, FHA, VA | 33 | 10.7% | 70.8% | $127,727 | |
Freedom Mortgage Corporation
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FHA, VA | 11 | 3.6% | 77.8% | $220,454 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 10 +1 HELOCs |
3.2% | 71.4% | $166,000 | |
Mortgage Research Center
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Conventional, VA | 8 | 2.6% | 88.9% | $167,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 2.3% | 87.5% | $120,714 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +1 HELOCs |
1.6% | 71.4% | $175,000 | View |
Union Home Mortgage Corp.
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Conventional, FHA | 5 | 1.6% | 71.4% | $121,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
1.3% | 80% | $210,000 | |
HomeBridge Financial Services, Inc
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FHA, VA, HELOC | 4 +1 HELOCs |
1.3% | 80% | $210,000 | |
Primary Residential Mortgage, INC.
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Conventional | 3 | 1% | 100% | $108,333 | |
SWBC Mortgage Corporation
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Conventional | 3 | 1% | 100% | $125,000 | |
Envoy Mortgage, Ltd
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Conventional | 3 | 1% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA, VA, USDA | 3 | 1% | 100% | $158,333 | View |
Amerisave Mortgage Company
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Conventional, VA | 3 | 1% | 17.6% | $81,666 | |
Sun West Mortgage Company, Inc
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FHA | 3 | 1% | 100% | $135,000 | |
First Colony Mortgage Corporat
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FHA, USDA | 3 | 1% | 100% | $155,000 | |
Nationstar Mortgage
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Conventional, VA | 3 | 1% | 100% | $105,000 | |
Zillow Home Loans, LLC
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Conventional | 3 | 1% | 100% | $101,666 | |
Equity Resources Inc
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FHA | 2 | 0.6% | 100% | $135,000 | |
First Community Mortgage, Inc.
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VA, USDA | 2 | 0.6% | 100% | $170,000 | |
Watermark Capital, Inc.
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Conventional | 2 | 0.6% | 100% | $85,000 | |
Embrace Home Loans, Inc.
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FHA | 2 | 0.6% | 100% | $155,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 0.6% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $55,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 50% | $85,000 | View |
Tidewater Mortgage Services, Inc
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Conventional | 1 | 0.3% | 100% | $95,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 50% | $145,000 | |
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A+5.0 ★Texas Ratio: 0.68% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
loanDepot.com LLC
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FHA | 1 | 0.3% | 50% | $75,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Guild Mortgage Company
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FHA | 1 | 0.3% | 100% | $265,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.3% | 33.3% | $195,000 | |
Legend Lending Corporation
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.3% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 9.24% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 3.83% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.3% | 50% | $255,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $155,000 | |
New American Funding, LLC.
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FHA | 1 | 0.3% | 50% | $125,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.3% | 100% | $185,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.3% | 100% | $235,000 | |
Village Capital & Investment
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USDA | 1 | 0.3% | 100% | $185,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Bank Fund Staff Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cumberland 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 Cumberland, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Cumberland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cumberland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cumberland, MD
Use these to narrow the list above. Each category shows how many Cumberland, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Cumberland, MD
Independent mortgage companies closed 57.3 percent of home loans in Cumberland, Maryland in 2025, banks 18.1 percent and credit unions 24.6 percent. Lower, LLC was the largest mortgage company, Dollar Bank, FSB the largest bank and Chessie Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Chessie Federal Credit Union led with 24 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 Cumberland, MD
By home loans closed in 2025, Chessie Federal Credit Union was the largest mortgage lender in Cumberland, Maryland with 24 loans, about 7.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Cumberland, Maryland in 2025, led by ALCOVA Mortgage, LLC with 18. 12 lenders closed VA loans, led by Freedom Mortgage Corporation, 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 7 credit unions closed home loans in Cumberland, Maryland in 2025, alongside 41 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 Cumberland, 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 Cumberland, 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 Cumberland. 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.
