Mortgage Lenders and Brokers in Essex, 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
Essex, Maryland mortgage lenders include M&T BankM&T Bank809 Eastern Blvd, Essex, MD 21221A+5.0 ★Texas Ratio: 4.11%, Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%, TD BankTD Bank1800 Eastern Blvd, Essex, MD 21221A+5.0 ★Texas Ratio: 3.71%, Aberdeen Proving Ground FCUAberdeen Proving Ground FCU996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733A+5.0 ★Texas Ratio: 4.35%, Shore United Bank, N.A.Shore United Bank, N.A.200 Westgate Circle, Annapolis, MD 21401A5.0 ★Texas Ratio: 9.61%, First Financial of Maryland Federal Credit UnionFirst Financial of Maryland Federal Credit Union8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028A+5.0 ★Texas Ratio: 2.01%, First National Bank of PAFirst National Bank of PA3 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 1.62%, Point Breeze Credit UnionPoint Breeze Credit Union5 Philadelphia Ct, Baltimore, MD 21237A+5.0 ★Texas Ratio: 1.64%, State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%. 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 Essex, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Essex 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 Essex, Maryland
Market share is the lender's share of all home loans closed in Essex, 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 Essex 809 Eastern Blvd, Essex, MD 21221 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, Jumbo, HELOC | 5 +27 HELOCs |
0.9% | 100% | $495,000 | View |
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1 office in Essex 122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +11 HELOCs |
0.7% | 66.7% | $282,500 | View |
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1 office in Essex 1800 Eastern Blvd, Essex, MD 21221 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733 A+5.0 ★Texas Ratio: 4.35% |
Conventional, HELOC | 15 +8 HELOCs |
2.7% | 83.3% | $107,666 | View |
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200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
Conventional, FHA, VA | 13 | 2.3% | 100% | $278,846 | View |
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8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 10 | 1.8% | 76.9% | $99,000 | View |
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3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 9 +6 HELOCs |
1.6% | 81.8% | $365,000 | View |
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5 Philadelphia Ct, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 7 | 1.2% | 100% | $157,857 | View |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 6 +10 HELOCs |
1.1% | 85.7% | $250,000 | |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 4 | 0.7% | 100% | $250,000 | View |
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166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
Conventional, VA | 4 | 0.7% | 100% | $450,000 | View |
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400 Constant Friendship Blvd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 0.7% | 66.7% | $177,500 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional, FHA | 4 | 0.7% | 80% | $347,500 | |
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★ 1 stars, 1 review 405 Manning Rd E, Accokeek, MD 20607 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, HELOC | 3 +7 HELOCs |
0.5% | 100% | $185,000 | View |
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★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
Conventional, VA, HELOC | 3 +5 HELOCs |
0.5% | 75% | $311,666 | View |
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96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.5% | 42.9% | $181,666 | View |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional, FHA, Jumbo | 2 | 0.4% | 100% | $500,000 | View |
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7815 Woodmont Ave, Bethesda, MD 20814 A5.0 ★Texas Ratio: 7.39% |
Conventional | 2 | 0.4% | 100% | $255,000 | View |
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2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 2 | 0.4% | 100% | $255,000 | View |
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1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15% |
FHA | 1 | 0.2% | 100% | $205,000 | View |
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2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87% |
FHA | 1 | 0.2% | 100% | $475,000 | View |
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8640 Ridgelys Choice Dr, Baltimore, MD 21236 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.2% | 33.3% | $135,000 | View |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
HELOC | 0 +3 HELOCs |
0% | n/a | ||
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7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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8216 Philadelphia Rd, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Nfm, Inc
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Conventional, FHA, VA | 23 | 4.1% | 100% | $328,043 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 19 | 3.4% | 95% | $294,473 | View |
Direct Mortgage Loans, LLC
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Conventional, FHA | 16 | 2.8% | 100% | $272,500 | |
Cazle Mortgage, Inc.
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Conventional, FHA | 4 | 0.7% | 100% | $242,500 | |
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A5.0 ★Texas Ratio: 7.57% |
Conventional | 4 | 0.7% | 57.1% | $172,500 | View |
All Credit Considered Mortgage, Inc.
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Conventional | 2 | 0.4% | 100% | $260,000 | |
Fidelity Direct Mortgage, LLC
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FHA | 2 | 0.4% | 100% | $405,000 | |
Bay Capital Mortgage Corporation
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Conventional, FHA | 2 | 0.4% | 100% | $165,000 | |
The Mortgage Link, Inc.
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VA | 2 | 0.4% | 100% | $360,000 | |
My Mortgage, Inc
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FHA | 1 | 0.2% | 100% | $225,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 58 | 10.3% | 82.9% | $202,758 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 38 +3 HELOCs |
6.7% | 73.1% | $348,684 | |
Primary Residential Mortgage, INC.
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Conventional, FHA, VA | 38 | 6.7% | 88.4% | $221,842 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 19 | 3.4% | 79.4% | $313,421 | |
Pennymac Loan Services LLC
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Conventional, FHA | 12 | 2.1% | 68.4% | $246,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 10 | 1.8% | 100% | $400,000 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional, FHA, HELOC | 9 +1 HELOCs |
1.6% | 83.3% | $276,111 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 8 +3 HELOCs |
1.4% | 72.7% | $235,000 | View |
Newrez LLC
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Conventional, FHA, VA | 8 | 1.4% | 50% | $293,750 | |
Mortgage Research Center
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VA | 8 | 1.4% | 72.7% | $377,500 | |
TowneBank
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Conventional, FHA | 8 | 1.4% | 100% | $237,500 | |
Fairway Independent Mort Corp
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Conventional, FHA | 7 | 1.2% | 100% | $266,428 | |
loanDepot.com LLC
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Conventional, FHA, VA | 6 | 1.1% | 46.2% | $270,000 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 5 +2 HELOCs |
0.9% | 62.5% | $183,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 5 | 0.9% | 29.4% | $59,000 | |
Primelending
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Conventional, FHA | 4 | 0.7% | 100% | $235,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 4 | 0.7% | 100% | $155,000 | |
American Financial Network, Inc.
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Conventional, FHA | 4 | 0.7% | 100% | $232,500 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 4 | 0.7% | 100% | $222,500 | View |
Nationstar Mortgage
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Conventional, FHA | 4 | 0.7% | 57.1% | $115,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 4 | 0.7% | 80% | $230,000 | View |
EMM Loans LLC
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Conventional, FHA | 3 | 0.5% | 100% | $281,666 | |
Originpoint, LLC
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Conventional | 3 | 0.5% | 100% | $265,000 | |
Guaranteed Rate Affinity, LLC
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FHA, VA | 3 | 0.5% | 100% | $331,666 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 3 | 0.5% | 66.7% | $278,333 | |
Loanunited.Com, LLC
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FHA, VA | 3 | 0.5% | 75% | $235,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 3 | 0.5% | 100% | $358,333 | View |
Churchill Mortgage Corporation
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Conventional, FHA | 3 | 0.5% | 100% | $241,666 | |
HomeSale Mortgage
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Conventional, FHA | 3 | 0.5% | 100% | $498,333 | |
Pentagon Federal Credit Union
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Conventional, FHA, HELOC | 2 +2 HELOCs |
0.4% | 66.7% | $370,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 33.3% | $65,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.4% | 33.3% | $150,000 | View |
Sage Home Loans Corporation
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Conventional, VA | 2 | 0.4% | 100% | $410,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.4% | 50% | $185,000 | |
Firstrust Savings Bank
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Conventional | 2 | 0.4% | 100% | $145,000 | |
AdvantageFirst Lending Inc
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FHA, VA | 2 | 0.4% | 40% | $165,000 | |
City Lending Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $245,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 2 | 0.4% | 100% | $335,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 2 | 0.4% | 100% | $335,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.4% | 66.7% | $185,000 | |
Total Mortgage Services, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $210,000 | |
First Heritage Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $310,000 | |
Southern Trust Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $300,000 | |
Planet Home Lending, LLC
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FHA | 2 | 0.4% | 100% | $370,000 | |
Provident Funding Associates
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Conventional | 2 | 0.4% | 100% | $510,000 | |
Mortgage Equity Partners LLC
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Conventional, FHA | 2 | 0.4% | 100% | $320,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 0.4% | 100% | $355,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.4% | 100% | $235,000 | |
Keystone Funding, Inc
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Conventional | 2 | 0.4% | 100% | $445,000 | |
Zillow Home Loans, LLC
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Conventional, VA | 2 | 0.4% | 50% | $270,000 | |
Prosperity Home Mortgage, LLC
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FHA, VA | 2 | 0.4% | 75% | $280,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 0.4% | 100% | $235,000 | |
Nmsi, Inc.
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Conventional | 2 | 0.4% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.4% | 50% | $140,000 | View |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 0.4% | 100% | $230,000 | |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 0.4% | 40% | $195,000 | |
Reliance First Capital, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $135,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 2 | 0.4% | 66.7% | $245,000 | |
Northrop Grumman Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $25,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $175,000 | |
Arc Home LLC
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Premier Mortgage Resources, LLC
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VA | 1 | 0.2% | 100% | $505,000 | |
First Community Mortgage, Inc.
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FHA | 1 | 0.2% | 50% | $225,000 | |
American Financial Resources LLC
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FHA | 1 | 0.2% | 50% | $205,000 | |
Goodleap, LLC
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FHA | 1 | 0.2% | 50% | $245,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.2% | 66.7% | $415,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.2% | 100% | $95,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $355,000 | |
Guild Mortgage Company
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FHA | 1 | 0.2% | 100% | $285,000 | |
First Alliance Home Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.2% | 50% | $455,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Bay Equity LLC
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Conventional | 1 | 0.2% | 100% | $295,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.2% | 100% | $455,000 | |
Stg Mortgage Inc
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FHA | 1 | 0.2% | 100% | $445,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 50% | $205,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.2% | 50% | $275,000 | View |
Peoples Mortgage Company
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Conventional | 1 | 0.2% | 100% | $145,000 | |
Intelliloan, Inc.
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FHA | 1 | 0.2% | 100% | $405,000 | |
Embrace Home Loans, Inc.
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FHA | 1 | 0.2% | 50% | $275,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
Nations Lending Corporation
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Conventional | 1 | 0.2% | 100% | $595,000 | |
Franklin Loan Corporation
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FHA | 1 | 0.2% | 100% | $245,000 | |
Waterstone Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $235,000 | |
Geneva Financial LLC
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FHA | 1 | 0.2% | 100% | $235,000 | |
Evolve Bank & Trust
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FHA | 1 | 0.2% | 100% | $315,000 | |
Radius Financial Group Inc
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FHA | 1 | 0.2% | 100% | $205,000 | |
Pike Creek Mortgage Services, Inc.
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FHA | 1 | 0.2% | 100% | $225,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.2% | 100% | $245,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $145,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.2% | 66.7% | $275,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
FHA | 1 | 0.2% | 100% | $545,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.2% | 100% | $115,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $805,000 | View |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.2% | 50% | $315,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $425,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
FHA | 1 | 0.2% | 100% | $225,000 | View |
Village Capital & Investment
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FHA | 1 | 0.2% | 50% | $195,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Essex 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 Essex, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Essex? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Essex in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Essex, MD
Use these to narrow the list above. Each category shows how many Essex, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Essex, MD
Independent mortgage companies closed 71.7 percent of home loans in Essex, Maryland in 2025, banks 18.2 percent and credit unions 10.1 percent. Lower, LLC was the largest mortgage company, M&T Bank the largest bank and Aberdeen Proving Ground FCU the largest credit union. Among lenders headquartered in Maryland, Aberdeen Proving Ground FCU led with 15 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 Essex, MD
By home loans closed in 2025, M&T Bank was the largest mortgage lender in Essex, Maryland with 5 loans, about 0.9 percent of the market. The largest lender headquartered in Maryland was Aberdeen Proving Ground FCU with 15 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Essex, Maryland, Rocket Mortgage approved the highest share of completed applications in 2025 at 82.9 percent, against a 79.4 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.
76 lenders closed FHA loans in Essex, Maryland in 2025, led by Rocket Mortgage with 12. 23 lenders closed VA loans, led by United Wholesale Mortgage. 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. 35 banks and 13 credit unions closed home loans in Essex, Maryland in 2025, alongside 90 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 Essex, 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 Essex, 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 Essex. 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.
