☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Maryland / Frederick

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Frederick, Maryland

Content reviewed by

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

Frederick, Maryland mortgage lenders include Truist BankTruist Bank1602 Rosemont Ave, Frederick, MD 21702A+5.0 ★Texas Ratio: 2.87%, Presidential Bank, FSBPresidential Bank, FSB14 W Patrick St, Frederick, MD 21701A-4.9 ★Texas Ratio: 16.48%, Bank of America NABank of America NA2401 Osprey Way, Frederick, MD 21701A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA5449 Urbana Pike, Frederick, MD 21704A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA7860 Wormans Mill Rd, Frederick, MD 21701A+5.0 ★Texas Ratio: 5.36%, M&T BankM&T Bank5585 Spectrum Dr, Frederick, MD 21703A+5.0 ★Texas Ratio: 4.11%, Atlantic Union BankAtlantic Union Bank8921 Fingerboard Rd, Frederick, MD 21704A+5.0 ★Texas Ratio: 2.51%, Fulton Bank, National AssociationFulton Bank, National Association5211 Presidents Ct, Frederick, MD 21703A+5.0 ★Texas Ratio: 4.85%, Woodsboro BankWoodsboro Bank40 West Patrick Street, Frederick, MD 21701A+5.0 ★Texas Ratio: 0.94%, and PNC Bank N.A.PNC Bank N.A.3530 Sugarloaf Pkwy, Frederick, MD 21704A+5.0 ★Texas Ratio: 4.24%. 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 Frederick, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Frederick 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 Frederick, Maryland

Market share is the lender's share of all home loans closed in Frederick, 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 7 offices in Frederick 1602 Rosemont Ave, Frederick, MD 21702 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	20 +49 HELOCs	1%	87%	$377,000	View
Presidential Bank, FSB 1 office in Frederick 14 W Patrick St, Frederick, MD 21701 A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA, VA	18	0.9%	85.7%	$416,666	View
Bank of America NA 3 offices in Frederick 2401 Osprey Way, Frederick, MD 21701 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	15 +22 HELOCs	0.8%	93.8%	$427,000	View
JPMorgan Chase Bank, NA 1 office in Frederick 5449 Urbana Pike, Frederick, MD 21704 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	14 +1 HELOCs	0.7%	100%	$395,000	View
Wells Fargo Bank NA 1 office in Frederick 7860 Wormans Mill Rd, Frederick, MD 21701 A+5.0 ★Texas Ratio: 5.36%	Conventional	14	0.7%	77.8%	$318,571	View
M&T Bank 6 offices in Frederick 5585 Spectrum Dr, Frederick, MD 21703 A+5.0 ★Texas Ratio: 4.11%	Conventional, VA, HELOC	12 +17 HELOCs	0.6%	92.3%	$401,666	View
Atlantic Union Bank 3 offices in Frederick 8921 Fingerboard Rd, Frederick, MD 21704 A+5.0 ★Texas Ratio: 2.51%	Conventional, FHA, HELOC	9 +14 HELOCs	0.5%	90%	$417,222	View
Fulton Bank, National Association 1 office in Frederick 5211 Presidents Ct, Frederick, MD 21703 A+5.0 ★Texas Ratio: 4.85%	Conventional, FHA, VA, Jumbo, HELOC	9 +2 HELOCs	0.5%	62.5%	$591,666	View
Woodsboro Bank 5 offices in Frederick 40 West Patrick Street, Frederick, MD 21701 A+5.0 ★Texas Ratio: 0.94%	Conventional	9	0.5%	100%	$672,777	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 6 offices in Frederick 3530 Sugarloaf Pkwy, Frederick, MD 21704 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	6 +127 HELOCs	0.3%	66.7%	$343,333	View
Nymeo Federal Credit Union 1041A W PATRICK ST, FREDERICK, MD 21702 3903 A+5.0 ★Texas Ratio: 5.63%	Conventional	5	0.3%	55.6%	$247,000	View
Acnb Bank 3 offices in Frederick 2 N Market St, Frederick, MD 21701 A+5.0 ★Texas Ratio: 2.55%	Conventional, HELOC	4 +3 HELOCs	0.2%	100%	$310,000	View
Middletown Valley Bank 1 office in Frederick 9 N Market St, Frederick, MD 21701 A+5.0 ★Texas Ratio: 1.21%	Conventional	2	0.1%	100%	$625,000	View
Shore United Bank, N.A. 200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61%	Conventional, FHA, VA	22	1.1%	100%	$422,727	View
Lower, LLC 810 Bestgate Rd, Annapolis, MD 21401	Conventional, FHA, VA	11	0.6%	84.6%	$426,818
Tower Federal Credit Union 810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97%	Conventional, HELOC	9 +15 HELOCs	0.5%	100%	$203,888
First National Bank of PA 3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	8 +2 HELOCs	0.4%	80%	$408,750	View
Capital Bank, N.A. 6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49%	Conventional, FHA	8	0.4%	100%	$655,000	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	0.3%	66.7%	$195,000	View
State Employees Credit Union of MD 5110 Buckeystown Pike, Frederick, MD 21704 A5.0 ★Texas Ratio: 6.00%	Conventional, HELOC	5 +15 HELOCs	0.3%	100%	$369,000
Wesbanco Bank, Inc. 2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87%	Conventional	5	0.3%	100%	$533,000	View
United Bank Va 1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15%	Conventional, HELOC	4 +1 HELOCs	0.2%	80%	$352,500	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	4	0.2%	66.7%	$245,000	View
TD Bank 2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	3 +1 HELOCs	0.2%	57.1%	$218,333	View
Citizens Bank, NA 7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +9 HELOCs	0.1%	100%	$605,000	View
Nasa Federal Credit Union 2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$155,000	View
APL Federal Credit Union 8870 McGaw Rd, Columbia, MD 21045 A+5.0 ★Texas Ratio: 2.79%	Conventional	1	0.1%	100%	$205,000	View
Univest Bank and Trust Co. 175 W Ostend Street, Baltimore, MD 21230 A5.0 ★Texas Ratio: 6.10%	Conventional	1	0.1%	100%	$585,000	View
SkyPoint FCU 19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874 A5.0 ★Texas Ratio: 9.36%	Conventional	1	0.1%	100%	$105,000	View
Potomac Bank 1101 Frederick St, Hagerstown, MD 21740 A+5.0 ★Texas Ratio: 0.66%	Conventional	1	0.1%	100%	$135,000	View
Lafayette Federal Credit Union 7537 Greenbelt Rd, Greenbelt, MD 20770 3403	HELOC	0 +1 HELOCs	0%	n/a
Mid-Atlantic FCU 555 Quince Orchard Rd, Gaithersburg, MD 20878 A+5.0 ★Texas Ratio: 4.60%	HELOC	0 +1 HELOCs	0%	n/a		View
Aberdeen Proving Ground FCU 996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733 A+5.0 ★Texas Ratio: 4.35%	HELOC	0 +1 HELOCs	0%	n/a		View
Nfm, Inc	Conventional, FHA, VA	62	3.2%	100%	$418,225
Direct Mortgage Loans, LLC	Conventional, FHA, HELOC	23 +2 HELOCs	1.2%	96%	$355,434
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	19	1%	100%	$415,526	View
The Mortgage Link, Inc.	Conventional, FHA, VA	18	0.9%	100%	$357,222
Nih Federal Credit Union	Conventional	9	0.5%	81.8%	$225,000
Fidelity Direct Mortgage, LLC	Conventional, FHA	8	0.4%	100%	$370,000
Millennium Financial Group Inc dba Mlend	Conventional, VA	3	0.2%	100%	$285,000
All Credit Considered Mortgage, Inc.	Conventional	3	0.2%	100%	$255,000
Bay Capital Mortgage Corporation	Conventional	3	0.2%	75%	$451,666
Bayshore Mortgage Funding	FHA	2	0.1%	66.7%	$430,000
Ivy Mortgage, Inc.	Conventional	2	0.1%	100%	$340,000
1st Financial, Inc.	Conventional	1	0.1%	100%	$365,000
Municipal Employees Credit Union A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	100%	$325,000	View
Rocket Mortgage	Conventional, FHA, VA	184	9.6%	87.6%	$332,336
Nvr Mortgage Finance, Inc.	Conventional, FHA, VA	149	7.8%	84.2%	$467,147
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	115 +3 HELOCs	6%	87.7%	$449,956
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	60 +35 HELOCs	3.1%	64.9%	$368,833	View
Pennymac Loan Services LLC	Conventional, FHA, VA	54	2.8%	85.5%	$319,814
DHI Mortgage Company, LTD.	Conventional, FHA, VA	47	2.5%	94%	$524,361
Freedom Mortgage Corporation	Conventional, FHA, VA	46	2.4%	87.3%	$482,173
Lennar Mortgage, LLC	Conventional, FHA, VA	44	2.3%	91.7%	$411,136
TowneBank	Conventional, FHA, VA	36	1.9%	100%	$411,666
Newrez LLC	Conventional, FHA, VA	35	1.8%	64.8%	$436,142
First Heritage Mortgage, LLC	Conventional, FHA, VA	35	1.8%	97.2%	$364,428
K. Hovnanian American Mortgage	Conventional, FHA, VA	33	1.7%	82.5%	$408,333
Nationstar Mortgage	Conventional, FHA, VA	32	1.7%	88.9%	$231,250
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	27 +4 HELOCs	1.4%	100%	$417,962
Guild Mortgage Company	Conventional, FHA, VA	27	1.4%	97%	$426,851
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	26	1.4%	83.9%	$422,692
SWBC Mortgage Corporation	Conventional, FHA, VA	25	1.3%	100%	$475,000
Atlantic Coast Mortgage, LLC	Conventional, FHA	23	1.2%	100%	$344,565
Mortgage Research Center	VA	21	1.1%	61.8%	$480,714
Embrace Home Loans, Inc.	Conventional, FHA, VA, Jumbo	20	1%	100%	$523,500
Cmg Mortgage Inc	Conventional, FHA, VA	19	1%	95.5%	$477,105
Primary Residential Mortgage, INC.	Conventional, FHA	17	0.9%	89.5%	$253,235
Envoy Mortgage, Ltd	Conventional, FHA, VA	17	0.9%	89.5%	$358,529
Zillow Home Loans, LLC	Conventional, FHA	16	0.8%	94.1%	$401,875
Vellum Mortgage, Inc.	Conventional, FHA	14	0.7%	100%	$401,428
MDE Home Loans LLC	Conventional, FHA, VA	13	0.7%	100%	$618,076
loanDepot.com LLC	Conventional, FHA, VA, HELOC	12 +5 HELOCs	0.6%	82.4%	$397,500
American Pacific Mortgage Corporation	Conventional, FHA	12	0.6%	92.3%	$375,833
Provident Funding Associates	Conventional	11	0.6%	100%	$451,363
Fairway Independent Mort Corp	Conventional, FHA, VA	11	0.6%	100%	$509,545
Guaranteed Rate, Inc.	Conventional, FHA, VA	10	0.5%	90.9%	$467,000
Primelending	Conventional, FHA, VA	9	0.5%	100%	$328,333
Bay Equity LLC	Conventional, FHA	9	0.5%	100%	$317,222
Pentagon Federal Credit Union	Conventional, FHA, VA, HELOC	8 +9 HELOCs	0.4%	57.1%	$488,750
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	8 +2 HELOCs	0.4%	57.1%	$150,000	View
Integrity Home Mortgage Corporation	Conventional, VA	8	0.4%	100%	$341,250
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	8	0.4%	88.9%	$247,500	View
Spring Eq, LLC	Conventional, HELOC	7 +3 HELOCs	0.4%	34.8%	$75,000
Carrington Mortgage Services LLC	Conventional, FHA	7	0.4%	47.4%	$193,571
Amerisave Mortgage Company	Conventional, VA, HELOC	6 +1 HELOCs	0.3%	42.9%	$166,666
Originpoint, LLC	Conventional	6	0.3%	100%	$443,333
PHH Mortgage Corporation	Conventional, FHA, VA	6	0.3%	100%	$416,666
Resicentral LLC	Conventional, FHA	6	0.3%	100%	$406,666
American Financial Network, Inc.	Conventional, FHA, VA	6	0.3%	100%	$370,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	6	0.3%	100%	$346,666	View
Sun West Mortgage Company, Inc	Conventional, FHA, VA	6	0.3%	77.8%	$520,000
Nations Direct Mortgage, LLC	Conventional, FHA	6	0.3%	100%	$421,666
Mutual of Omaha Mortgage	Conventional, FHA, VA	6	0.3%	60%	$366,666
Movement Mortgage, LLC	Conventional, FHA, HELOC	5 +1 HELOCs	0.3%	71.4%	$265,000
The Loan Store, Inc	Conventional, FHA, VA, HELOC	5 +1 HELOCs	0.3%	100%	$375,000
Loanunited.Com, LLC	FHA, VA	5	0.3%	100%	$521,000
Atlantic Bay Mortgage Group	Conventional, VA	5	0.3%	100%	$377,000
T2 Financial LLC	Conventional	5	0.3%	100%	$293,000
New American Funding, LLC.	Conventional, VA	5	0.3%	41.7%	$405,000
Village Capital & Investment	FHA, VA	5	0.3%	80%	$587,000
First Community Mortgage, Inc.	Conventional, FHA	4	0.2%	100%	$375,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	4	0.2%	42.9%	$560,000
Kind Lending, LLC	Conventional, VA	4	0.2%	66.7%	$520,000
Intercoastal Mortgage, LLC	Conventional, FHA	4	0.2%	100%	$392,500
Federated Mortgage Corp	Conventional	4	0.2%	100%	$385,000
Strong Home Mortgage, LLC	Conventional, VA	4	0.2%	100%	$315,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	4	0.2%	57.1%	$385,000	View
Keystone Funding, Inc	Conventional	4	0.2%	83.3%	$337,500
Patriot FCU A5.0 ★Texas Ratio: 9.21%	Conventional, HELOC	3 +9 HELOCs	0.2%	75%	$28,333	View
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, HELOC	3 +1 HELOCs	0.2%	100%	$461,666
State Departmenet Federal Credit Union	Conventional, HELOC	3 +1 HELOCs	0.2%	75%	$108,333
Cornerstone First Mortgage, LLC	Conventional, FHA, VA	3	0.2%	75%	$355,000
Tidewater Mortgage Services, Inc	Conventional, VA	3	0.2%	100%	$341,666
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional	3	0.2%	75%	$451,666	View
Sage Home Loans Corporation	Conventional	3	0.2%	100%	$325,000
Loansteady LLC	Conventional	3	0.2%	100%	$558,333
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, VA	3	0.2%	75%	$518,333	View
Dart Bank	FHA, VA	3	0.2%	60%	$518,333
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA	3	0.2%	75%	$621,666	View
First Alliance Home Mortgage, LLC	Conventional, FHA, VA	3	0.2%	100%	$385,000
Das Acquisition Company, LLC	Conventional	3	0.2%	100%	$625,000
First Savings Mortgage Corporation	Conventional, FHA	3	0.2%	100%	$355,000
New Day Financial, LLC.	VA	3	0.2%	37.5%	$311,666
Churchill Mortgage Corporation	Conventional, FHA, VA	3	0.2%	100%	$485,000
Farmers and Merchants Trust Company of Chambersburg	Conventional, Jumbo	3	0.2%	75%	$848,333
RoundPoint Mortgage Servicing LLC	Conventional	3	0.2%	100%	$285,000
Paramount Residential Mortgage	Conventional, VA	3	0.2%	100%	$448,333
Reliance First Capital, LLC	Conventional	3	0.2%	75%	$195,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	3	0.2%	100%	$298,333	View
Goodleap, LLC	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$275,000
Better Mortgage Corporation	Conventional, HELOC	2 +3 HELOCs	0.1%	50%	$165,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$555,000	View
Equity Resources Inc	Conventional	2	0.1%	100%	$380,000
Guaranteed Rate Affinity, LLC	Conventional, FHA	2	0.1%	100%	$370,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, VA	2	0.1%	100%	$440,000	View
Everett Financial, Inc.	Conventional, VA	2	0.1%	100%	$495,000
Go Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$665,000
Acrisure Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$325,000
Equity Prime Mortgage LLC	VA	2	0.1%	100%	$490,000
Langley Federal Credit Union	Conventional	2	0.1%	100%	$380,000
AdvantageFirst Lending Inc	FHA, VA	2	0.1%	66.7%	$520,000
Cardinal Financial Company, Li	Conventional, FHA	2	0.1%	80%	$455,000
American Financing Corporation	Conventional, FHA	2	0.1%	33.3%	$215,000
Union Home Mortgage Corp.	Conventional, VA	2	0.1%	100%	$390,000
Congressional Federal Credit Union	Conventional	2	0.1%	100%	$120,000
Planet Home Lending, LLC	FHA, VA	2	0.1%	100%	$480,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA	2	0.1%	100%	$550,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.1%	100%	$425,000	View
Nmsi, Inc.	Conventional	2	0.1%	100%	$450,000
United Nations Federal CU	Conventional	2	0.1%	66.7%	$510,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	2	0.1%	100%	$270,000	View
Plaza Home Mortgage, Inc	Conventional	2	0.1%	100%	$420,000
Tomo Mortgage LLC	Conventional	2	0.1%	100%	$325,000
American Neighborhood Mortgage Acceptance Company	Conventional	2	0.1%	100%	$455,000
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 3.99%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$855,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$375,000	View
HomeBridge Financial Services, Inc	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$355,000
Arc Home LLC	Conventional	1	0.1%	100%	$875,000
EMM Loans LLC	Conventional	1	0.1%	100%	$505,000
Genisys Credit Union	Conventional	1	0.1%	100%	$545,000
Liberty Federal Credit Union	Conventional	1	0.1%	100%	$85,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$495,000	View
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$275,000
Nbkc Bank	Conventional	1	0.1%	100%	$515,000
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$105,000
City Lending Inc.	FHA	1	0.1%	33.3%	$365,000
HomeXpress Mortgage Corp.	VA	1	0.1%	100%	$675,000
Michigan Mutual, Inc	FHA	1	0.1%	100%	$455,000
Nqm Funding, LLC	Conventional	1	0.1%	100%	$495,000
MortgageCountry	Conventional	1	0.1%	100%	$555,000
Bank Fund Staff Federal Credit	Conventional	1	0.1%	50%	$135,000
East Coast Capital Corp.	FHA	1	0.1%	100%	$235,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$305,000
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$585,000
Aurora Financial, LLC	Conventional	1	0.1%	100%	$585,000
First State Bank A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$305,000	View
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0.1%	100%	$335,000	View
Stg Mortgage Inc	FHA	1	0.1%	100%	$515,000
Franklin Loan Corporation	FHA	1	0.1%	100%	$355,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$605,000	View
Agriculture Federal Credit Union	Conventional	1	0.1%	100%	$55,000
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	VA	1	0.1%	100%	$805,000	View
Empeople Credit Union	Conventional	1	0.1%	100%	$515,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$105,000
Tjc Mortgage Inc	FHA	1	0.1%	100%	$305,000
Interstate Home Loan Center, Inc.	Conventional	1	0.1%	100%	$165,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$415,000
Geo-Corp, Inc.	Conventional	1	0.1%	100%	$295,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$245,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$665,000	View
Horizon Farm Credit, ACA	Conventional	1	0.1%	100%	$425,000
Ussfcu	Conventional	1	0.1%	100%	$25,000
Northrop Grumman Federal Credit Union	Conventional	1	0.1%	100%	$605,000
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$505,000
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$255,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$475,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	1	0.1%	100%	$2,405,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$945,000
S&T Bank A+5.0 ★Texas Ratio: 2.93%	Conventional	1	0.1%	100%	$535,000	View
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$75,000
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +6 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Total Mortgage Services, LLC	HELOC	0 +1 HELOCs	0%	n/a
Justice Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte 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.

Frederick 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 Frederick, Maryland

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

Types of Mortgage Lenders in Frederick, MD

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

Mortgage companies and brokers 127 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 50 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 31 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 80 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 71 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 4 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MD 30 lenders headquartered in Maryland, the closest thing to a mortgage lender near you

Who Lends in Frederick, MD

Independent mortgage companies closed 77.7 percent of home loans in Frederick, Maryland in 2025, banks 15.5 percent and credit unions 6.8 percent. Lower, LLC was the largest mortgage company, Truist Bank the largest bank and Nymeo Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Presidential Bank, FSB led with 18 loans.

77.7%

Mortgage companies

15.5%

Banks

6.8%

Credit unions

18%

FHA loans

13%

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 Waldorf 193 lenders Columbia 218 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 Frederick, MD

Who is the largest mortgage lender in Frederick, MD?

By home loans closed in 2025, Truist Bank was the largest mortgage lender in Frederick, Maryland with 20 loans, about 1 percent of the market. The largest lender headquartered in Maryland was Presidential Bank, FSB with 18 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Frederick, Maryland, Nfm, Inc approved the highest share of completed applications in 2025 at 100 percent, against a 85.4 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.

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

80 lenders closed FHA loans in Frederick, Maryland in 2025, led by Nvr Mortgage Finance, Inc. with 38. 71 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.

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

Yes. 50 banks and 31 credit unions closed home loans in Frederick, Maryland in 2025, alongside 127 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 Frederick, MD ranked on this page?

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