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Mortgage Lenders and Brokers in Ellicott City, Maryland

Content reviewed by

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

Ellicott City, Maryland mortgage lenders include Truist BankTruist Bank9080 Baltimore National Pike, Ellicott City, MD 21042A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA9245 Baltimore National Pike, Ellicott City, MD 21042A+5.0 ★Texas Ratio: 3.68%, M&T BankM&T Bank10100 Baltimore National Pike, Ellicott City, MD 21042A+5.0 ★Texas Ratio: 4.11%, First National Bank of PAFirst National Bank of PA10161 Baltimore National Pike, Ellicott City, MD 21042A+5.0 ★Texas Ratio: 1.62%, Bank of America NABank of America NA9150 Baltimore National Pike, Ellicott City, MD 21042A+5.0 ★Texas Ratio: 4.14%, Fulton Bank, National AssociationFulton Bank, National Association9151 Baltimore National Pike, Ellicott City, MD 21042A+5.0 ★Texas Ratio: 4.85%, Wells Fargo Bank NAWells Fargo Bank NA9230 Baltimore National Pike, Ellicott City, MD 21042A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.4392 Montgomery Rd, Ellicott City, MD 21043A+5.0 ★Texas Ratio: 4.24%, Woori America BankWoori America Bank10035 Baltimore National Pike, Ellicott City, MD 21042A5.0 ★Texas Ratio: 11.01%, and Atlantic Union BankAtlantic Union Bank6031 University Blvd, Ellicott City, MD 21043A+5.0 ★Texas Ratio: 2.51%. 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 Ellicott City, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ellicott City 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 Ellicott City, Maryland

Market share is the lender's share of all home loans closed in Ellicott City, 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
Truist Bank ★ 1 stars, 1 review 1 office in Ellicott City 9080 Baltimore National Pike, Ellicott City, MD 21042 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	27 +27 HELOCs	2.2%	93.3%	$684,629	View
JPMorgan Chase Bank, NA 1 office in Ellicott City 9245 Baltimore National Pike, Ellicott City, MD 21042 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	26 +2 HELOCs	2.1%	93.3%	$772,692	View
M&T Bank 2 offices in Ellicott City 10100 Baltimore National Pike, Ellicott City, MD 21042 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	23 +41 HELOCs	1.9%	85.2%	$780,217	View
First National Bank of PA 1 office in Ellicott City 10161 Baltimore National Pike, Ellicott City, MD 21042 A+5.0 ★Texas Ratio: 1.62%	Conventional, Jumbo, HELOC	16 +19 HELOCs	1.3%	68%	$563,750	View
Bank of America NA 3 offices in Ellicott City 9150 Baltimore National Pike, Ellicott City, MD 21042 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	12 +39 HELOCs	1%	85.7%	$634,166	View
Fulton Bank, National Association 1 office in Ellicott City 9151 Baltimore National Pike, Ellicott City, MD 21042 A+5.0 ★Texas Ratio: 4.85%	Conventional, Jumbo, HELOC	10 +20 HELOCs	0.8%	90.9%	$724,000	View
Wells Fargo Bank NA 1 office in Ellicott City 9230 Baltimore National Pike, Ellicott City, MD 21042 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	10	0.8%	100%	$540,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Ellicott City 4392 Montgomery Rd, Ellicott City, MD 21043 A+5.0 ★Texas Ratio: 4.24%	Conventional, VA, HELOC	6 +39 HELOCs	0.5%	85.7%	$266,666	View
Woori America Bank 1 office in Ellicott City 10035 Baltimore National Pike, Ellicott City, MD 21042 A5.0 ★Texas Ratio: 11.01%	Conventional, Jumbo	5	0.4%	100%	$559,000	View
Atlantic Union Bank 1 office in Ellicott City 6031 University Blvd, Ellicott City, MD 21043 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	2 +7 HELOCs	0.2%	100%	$440,000	View
Orrstown Bank 1 office in Ellicott City 4450 Long Gate Parkway, Ellicott City, MD 21043 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$430,000	View
State Employees Credit Union of MD 10025 Baltimore National Pike, Ellicott City, MD 21042 A5.0 ★Texas Ratio: 6.00%	Conventional, Jumbo, HELOC	21 +40 HELOCs	1.7%	95.5%	$666,428
Tower Federal Credit Union 9150 Baltimore National Pike Ste 12, Ellicott City, MD 21042 A+5.0 ★Texas Ratio: 1.97%	Conventional, HELOC	16 +43 HELOCs	1.3%	80%	$368,750
First Financial of Maryland Federal Credit Union 8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01%	Conventional	13	1.1%	92.9%	$169,615	View
Dollar Bank, FSB 1275 National Hwy, Cumberland, MD 21502 A+5.0 ★Texas Ratio: 5.29%	Conventional, Jumbo	9	0.7%	100%	$1,092,777	View
APL Federal Credit Union 8870 McGaw Rd, Columbia, MD 21045 A+5.0 ★Texas Ratio: 2.79%	Conventional, HELOC	8 +20 HELOCs	0.6%	88.9%	$91,250	View
TD Bank 2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	6 +6 HELOCs	0.5%	100%	$630,000	View
Wesbanco Bank, Inc. 2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo, HELOC	6 +2 HELOCs	0.5%	75%	$693,333	View
Presidential Bank, FSB 4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA, VA	6	0.5%	85.7%	$421,666	View
Johns Hopkins FCU 1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732 A+5.0 ★Texas Ratio: 2.64%	Conventional	6	0.5%	100%	$333,333	View
Securityplus FCU 7135 Windsor Blvd, Baltimore, MD 21244 A5.0 ★Texas Ratio: 9.19%	Conventional	6	0.5%	100%	$565,000	View
Point Breeze Credit Union 5 Philadelphia Ct, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 1.64%	Conventional, Jumbo	6	0.5%	100%	$568,333	View
Shore United Bank, N.A. 200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61%	Conventional, Jumbo	6	0.5%	100%	$641,666	View
Lower, LLC 9150 Baltimore National Pike Ste 12, Ellicott City, MD 21042	Conventional	6	0.5%	85.7%	$515,000
Aberdeen Proving Ground FCU 996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733 A+5.0 ★Texas Ratio: 4.35%	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.3%	100%	$325,000	View
Educational Systems FCU 2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40%	Conventional, HELOC	3 +3 HELOCs	0.2%	100%	$228,333	View
Nasa Federal Credit Union 2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$255,000	View
United Bank Va 1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$715,000	View
Prince Georges Community FCU 6985 Muirkirk Meadows Dr, Beltsville, MD 20705 A+5.0 ★Texas Ratio: 3.40%	Conventional	1	0.1%	100%	$155,000	View
Mid-Atlantic FCU 555 Quince Orchard Rd, Gaithersburg, MD 20878 A+5.0 ★Texas Ratio: 4.60%	Conventional	1	0.1%	100%	$405,000	View
Arundel Federal Savings Bank ★ 5 stars, 1 review 2661 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.77%	Conventional	1	0.1%	100%	$175,000	View
Citizens Bank, NA 7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +11 HELOCs	0%	n/a		View
Pinnacle Bank 7272 Wisconsin Avenue, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 3.04%	HELOC	0 +2 HELOCs	0%	n/a		View
First Ciitizens Bank and Trust 890 Bestgate Rd, Annapolis, MD 21401 A5.0 ★Texas Ratio: 7.72%	HELOC	0 +1 HELOCs	0%	n/a		View
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	40	3.2%	97.6%	$537,500	View
Nfm, Inc	Conventional, FHA, VA	13	1.1%	100%	$523,461
Bay Capital Mortgage Corporation	Conventional, VA	12	1%	100%	$489,166
Direct Mortgage Loans, LLC	Conventional, VA, Jumbo	9	0.7%	100%	$597,222
Municipal Employees Credit Union A5.0 ★Texas Ratio: 7.57%	Conventional	8	0.6%	100%	$560,000	View
Fidelity Direct Mortgage, LLC	Conventional	4	0.3%	100%	$525,000
The Mortgage Link, Inc.	Conventional, FHA, VA	3	0.2%	100%	$478,333
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$475,000
Nih Federal Credit Union	Conventional	1	0.1%	100%	$205,000
Ivy Mortgage, Inc.	Conventional	1	0.1%	100%	$585,000
My Mortgage, Inc	Conventional, Jumbo	1	0.1%	100%	$955,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo	112	9%	85.8%	$430,892
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA, Jumbo	90	7.3%	90%	$678,777
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	79 +4 HELOCs	6.4%	89.9%	$550,822
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	31 +29 HELOCs	2.5%	82.1%	$463,387	View
Prosperity Home Mortgage, LLC	Conventional, FHA, VA, Jumbo	29	2.3%	100%	$609,137
Pennymac Loan Services LLC	Conventional, VA	21	1.7%	77.4%	$395,952
TowneBank	Conventional, VA	20	1.6%	100%	$528,500
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional, VA, Jumbo, HELOC	17 +2 HELOCs	1.4%	100%	$619,705	View
Provident Funding Associates	Conventional	17	1.4%	94.4%	$605,000
Newrez LLC	Conventional, FHA, VA, Jumbo	16	1.3%	94.1%	$490,625
Originpoint, LLC	Conventional, VA, Jumbo	13	1.1%	100%	$588,846
Federated Mortgage Corp	Conventional, Jumbo	13	1.1%	100%	$596,538
Embrace Home Loans, Inc.	Conventional, Jumbo	13	1.1%	93.3%	$587,307
Fairway Independent Mort Corp	Conventional, FHA, VA	13	1.1%	92.9%	$558,076
Guaranteed Rate Affinity, LLC	Conventional, VA, Jumbo	12	1%	100%	$585,833
Primary Residential Mortgage, INC.	Conventional, FHA, VA	12	1%	100%	$488,333
Guaranteed Rate, Inc.	Conventional, VA, Jumbo	11	0.9%	91.7%	$788,636
Guild Mortgage Company	Conventional, FHA, VA	11	0.9%	91.7%	$423,181
Bay Equity LLC	Conventional, FHA, Jumbo	11	0.9%	100%	$586,818
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	10	0.8%	87.5%	$530,000
Nationstar Mortgage	Conventional, VA, Jumbo	10	0.8%	76.9%	$382,000
Emet Lending Group, Inc.	Conventional, FHA, Jumbo	10	0.8%	100%	$484,000
Mutual of Omaha Mortgage	Conventional, VA, Jumbo	10	0.8%	90.9%	$610,000
SWBC Mortgage Corporation	Conventional, VA, Jumbo	9	0.7%	81.8%	$533,888
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	8 +1 HELOCs	0.6%	100%	$708,750
loanDepot.com LLC	Conventional, FHA, Jumbo, HELOC	7 +5 HELOCs	0.6%	70%	$649,285
Cmg Mortgage Inc	Conventional, HELOC	7 +1 HELOCs	0.6%	80%	$377,857
Primelending	Conventional	7	0.6%	100%	$575,000
Sage Home Loans Corporation	Conventional	7	0.6%	90%	$566,428
Credit Union Mortgage Associat	Conventional, Jumbo	7	0.6%	100%	$697,857
Abnb Federal Credit Union	Conventional, Jumbo	7	0.6%	100%	$780,714
Amerisave Mortgage Company	Conventional, FHA	6	0.5%	54.5%	$330,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	6	0.5%	100%	$651,666	View
Spring Eq, LLC	Conventional, HELOC	5 +3 HELOCs	0.4%	33.3%	$87,000
Better Mortgage Corporation	Conventional, HELOC	5 +1 HELOCs	0.4%	100%	$483,000
Sun West Mortgage Company, Inc	Conventional, FHA	5	0.4%	100%	$517,000
Union Home Mortgage Corp.	Conventional	5	0.4%	100%	$525,000
Service Federal Credit Union	Conventional, Jumbo	5	0.4%	83.3%	$1,119,000
First Heritage Mortgage, LLC	Conventional, VA	5	0.4%	100%	$553,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.4%	75%	$235,000	View
Pentagon Federal Credit Union	Conventional, VA, HELOC	4 +8 HELOCs	0.3%	57.1%	$730,000
The Loan Store, Inc	Conventional, HELOC	4 +2 HELOCs	0.3%	100%	$582,500
Atlantic Coast Mortgage, LLC	Conventional, FHA, VA	4	0.3%	100%	$637,500
Movement Mortgage, LLC	Conventional, Jumbo	4	0.3%	100%	$630,000
First Savings Mortgage Corporation	Conventional	4	0.3%	100%	$360,000
VanDyk Mortgage Corporation	Conventional, FHA	4	0.3%	100%	$370,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.3%	100%	$642,500	View
Churchill Mortgage Corporation	Conventional, FHA, Jumbo	4	0.3%	100%	$760,000
Vellum Mortgage, Inc.	Conventional, VA	4	0.3%	100%	$515,000
Zillow Home Loans, LLC	Conventional	4	0.3%	100%	$500,000
United Nations Federal CU	Conventional, Jumbo	4	0.3%	100%	$1,002,500
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	3 +2 HELOCs	0.2%	60%	$238,333	View
New American Funding, LLC.	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.2%	60%	$875,000
First Community Mortgage, Inc.	Conventional, VA	3	0.2%	100%	$548,333
Nbkc Bank	Conventional	3	0.2%	75%	$688,333
Kind Lending, LLC	Conventional, FHA	3	0.2%	60%	$605,000
PHH Mortgage Corporation	Conventional, FHA	3	0.2%	100%	$618,333
City Lending Inc.	Conventional	3	0.2%	100%	$455,000
AmWest Funding Corp	Conventional, Jumbo	3	0.2%	100%	$575,000
Lennar Mortgage, LLC	Conventional	3	0.2%	100%	$401,666
Das Acquisition Company, LLC	Conventional	3	0.2%	100%	$468,333
New Wave Lending Group Inc	Conventional	3	0.2%	100%	$461,666
Strong Home Mortgage, LLC	Conventional, FHA	3	0.2%	75%	$575,000
Kwik Mortgage Corporation	Conventional	3	0.2%	100%	$588,333
T2 Financial LLC	Conventional	3	0.2%	100%	$641,666
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.2%	75%	$491,666
Nmsi, Inc.	Conventional, FHA	3	0.2%	100%	$501,666
Arc Home LLC	Conventional, Jumbo	2	0.2%	100%	$775,000
EMM Loans LLC	Conventional, FHA, Jumbo	2	0.2%	100%	$1,195,000
Equity Resources Inc	Conventional	2	0.2%	100%	$115,000
Hartford Funding, Ltd.	Conventional	2	0.2%	100%	$535,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	2	0.2%	100%	$425,000	View
Lakeview Loan Servicing, LLC	Conventional, VA	2	0.2%	30.8%	$565,000
Envoy Mortgage, Ltd	Conventional	2	0.2%	100%	$530,000
AAA Capital Investment, Inc	Conventional	2	0.2%	100%	$490,000
Dart Bank	Conventional	2	0.2%	100%	$515,000
Kinecta Federal Credit Union	Conventional	2	0.2%	100%	$755,000
Deephaven Mortgage LLC	Conventional	2	0.2%	100%	$210,000
General Mortgage Capital Corporation	Conventional	2	0.2%	100%	$485,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, Jumbo	2	0.2%	75%	$500,000	View
LoanFlight Lending, LLC.	Conventional	2	0.2%	100%	$665,000
Southern Trust Mortgage, LLC	Conventional	2	0.2%	100%	$445,000
Planet Home Lending, LLC	Conventional, VA	2	0.2%	100%	$255,000
Franklin Loan Corporation	FHA	2	0.2%	100%	$645,000
Mortgage Equity Partners LLC	Conventional	2	0.2%	100%	$470,000
American Pacific Mortgage Corporation	Conventional	2	0.2%	100%	$395,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	2	0.2%	66.7%	$650,000	View
Uif Corporation	Conventional	2	0.2%	100%	$390,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0.2%	100%	$355,000
Nexera Holding LLC	Conventional, Jumbo	2	0.2%	100%	$885,000
Tomo Mortgage LLC	Conventional	2	0.2%	100%	$610,000
Village Capital & Investment	FHA, VA, Jumbo	2	0.2%	60%	$1,215,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +4 HELOCs	0.1%	33.3%	$135,000	View
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$365,000
Goodleap, LLC	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$435,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$465,000	View
Citadel Federal Credit Union	Conventional, Jumbo	1	0.1%	100%	$825,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	33.3%	$365,000	View
Self Reliance (NY) FCU	Conventional	1	0.1%	100%	$305,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0.1%	50%	$1,225,000	View
Orchard Mortgage, LLC	Conventional	1	0.1%	100%	$625,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$325,000
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$395,000
ALCOVA Mortgage, LLC	Conventional	1	0.1%	100%	$545,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$515,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$665,000
Regions Bank A+5.0 ★Texas Ratio: 4.37%	Conventional	1	0.1%	100%	$395,000	View
Instamortgage, Inc	Conventional	1	0.1%	100%	$405,000
Nqm Funding, LLC	Conventional	1	0.1%	100%	$425,000
Bank Fund Staff Federal Credit	Conventional, Jumbo	1	0.1%	100%	$865,000
Select Lending Services, LLC	Conventional	1	0.1%	100%	$795,000
American Financing Corporation	Conventional	1	0.1%	50%	$155,000
First Colony Mortgage Corporat	Conventional, Jumbo	1	0.1%	100%	$995,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$365,000
Real Genius LLC	Conventional	1	0.1%	100%	$695,000
Total Mortgage Services, LLC	Conventional	1	0.1%	100%	$645,000
Weichert Financial Services	Conventional	1	0.1%	100%	$575,000
Ameritrust Mortgage Corporation	Conventional	1	0.1%	100%	$735,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$305,000
Stg Mortgage Inc	FHA	1	0.1%	100%	$665,000
New Day Financial, LLC.	VA	1	0.1%	33.3%	$365,000
First Option Mortgage, LLC	Conventional	1	0.1%	100%	$535,000
Atlantic Bay Mortgage Group	Conventional	1	0.1%	100%	$265,000
The Freedom Bank of Virginia C+4.2 ★Texas Ratio: 24.99%	Conventional, Jumbo	1	0.1%	100%	$905,000	View
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	1	0.1%	100%	$465,000	View
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$635,000
Mortgage Research Center	Conventional	1	0.1%	20%	$265,000
American Heritage Federal Credit Union	Conventional	1	0.1%	100%	$585,000
Radius Financial Group Inc	Conventional	1	0.1%	100%	$515,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$595,000	View
Jams-01 Inc dba Home Savings & Trust Mortgage	Conventional	1	0.1%	100%	$395,000
Logan Finance Corporation	Conventional	1	0.1%	100%	$785,000
HomeSale Mortgage	VA	1	0.1%	100%	$805,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$375,000
FM Home Loans LLC	Conventional	1	0.1%	100%	$585,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$555,000	View
Paramount Residential Mortgage	Conventional	1	0.1%	50%	$355,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$335,000	View
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$425,000
Cake Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$845,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	VA	1	0.1%	50%	$615,000	View
JMAC Lending, Inc.	Conventional	1	0.1%	100%	$795,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Digital Federal Credit Union	HELOC	0 +6 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +5 HELOCs	0%	n/a
Northrop Grumman Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
Hanscom Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Nrl Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Firstrust Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 3.99%	HELOC	0 +1 HELOCs	0%	n/a		View
Coca-Cola Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Franklin Mint Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Justice Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	HELOC	0 +1 HELOCs	0%	n/a		View
Ussfcu	HELOC	0 +1 HELOCs	0%	n/a
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.

Ellicott City 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 Ellicott City, Maryland

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

Types of Mortgage Lenders in Ellicott City, MD

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

Mortgage companies and brokers 120 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 47 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 38 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 33 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 42 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 58 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MD 27 lenders headquartered in Maryland, the closest thing to a mortgage lender near you

Who Lends in Ellicott City, MD

Independent mortgage companies closed 66.2 percent of home loans in Ellicott City, Maryland in 2025, banks 20.9 percent and credit unions 12.8 percent. Lower, LLC 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, State Employees Credit Union of MD led with 21 loans.

66.2%

Mortgage companies

20.9%

Banks

12.8%

Credit unions

FHA loans

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 Columbia 218 lenders Bowie 190 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 Ellicott City, MD

Who is the largest mortgage lender in Ellicott City, MD?

By home loans closed in 2025, Truist Bank was the largest mortgage lender in Ellicott City, Maryland with 27 loans, about 2.2 percent of the market. The largest lender headquartered in Maryland was State Employees Credit Union of MD with 21 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Ellicott City, Maryland, Nvr Mortgage Finance, Inc. approved the highest share of completed applications in 2025 at 90 percent, against a 88.7 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 Ellicott City, MD mortgage lenders offer FHA, VA and USDA loans?

33 lenders closed FHA loans in Ellicott City, Maryland in 2025, led by Prosperity Home Mortgage, LLC with 5. 42 lenders closed VA loans, led by Navy Federal Credit Union. 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 Ellicott City, MD lender list?

Yes. 47 banks and 38 credit unions closed home loans in Ellicott City, Maryland in 2025, alongside 120 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 Ellicott City, MD ranked on this page?

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