☰

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 / Gaithersburg

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Gaithersburg, Maryland

Content reviewed by

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

Gaithersburg, Maryland mortgage lenders include Truist BankTruist Bank800 Muddy Branch Rd, Gaithersburg, MD 20878A+5.0 ★Texas Ratio: 2.87%, Citibank, NACitibank, NA6 Montgomery Village Ave, Gaithersburg, MD 20879A+5.0 ★Texas Ratio: 2.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA494 N Frederick Ave, Gaithersburg, MD 20877A+5.0 ★Texas Ratio: 3.68%, M&T BankM&T Bank5 Bank St, Gaithersburg, MD 20878A+5.0 ★Texas Ratio: 4.11%, Atlantic Union BankAtlantic Union Bank7653 Lindbergh Dr, Gaithersburg, MD 20879A+5.0 ★Texas Ratio: 2.51%, Bank of America NABank of America NA701 S Frederick Ave, Gaithersburg, MD 20877A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA107 Crown Park Ave, Gaithersburg, MD 20878A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.18250 Flower Hill Way, Gaithersburg, MD 20879A+5.0 ★Texas Ratio: 4.24%, First National Bank of PAFirst National Bank of PA18523 N Frederick Ave, Gaithersburg, MD 20879A+5.0 ★Texas Ratio: 1.62%, and TD BankTD Bank810 W Diamond Ave, Gaithersburg, MD 20878A+5.0 ★Texas Ratio: 3.71%. 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 Gaithersburg, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gaithersburg 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 Gaithersburg, Maryland

Market share is the lender's share of all home loans closed in Gaithersburg, 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 5 offices in Gaithersburg 800 Muddy Branch Rd, Gaithersburg, MD 20878 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	25 +11 HELOCs	3.3%	96.2%	$442,600	View
Citibank, NA 1 office in Gaithersburg 6 Montgomery Village Ave, Gaithersburg, MD 20879 A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	16 +2 HELOCs	2.1%	100%	$493,750	View
JPMorgan Chase Bank, NA 1 office in Gaithersburg 494 N Frederick Ave, Gaithersburg, MD 20877 A+5.0 ★Texas Ratio: 3.68%	Conventional	15	2%	93.8%	$440,333	View
M&T Bank 4 offices in Gaithersburg 5 Bank St, Gaithersburg, MD 20878 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	11 +12 HELOCs	1.4%	100%	$580,454	View
Atlantic Union Bank 2 offices in Gaithersburg 7653 Lindbergh Dr, Gaithersburg, MD 20879 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	9 +9 HELOCs	1.2%	90%	$537,222	View
Bank of America NA 3 offices in Gaithersburg 701 S Frederick Ave, Gaithersburg, MD 20877 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +11 HELOCs	0.7%	100%	$443,000	View
Wells Fargo Bank NA 3 offices in Gaithersburg 107 Crown Park Ave, Gaithersburg, MD 20878 A+5.0 ★Texas Ratio: 5.36%	Conventional	5	0.7%	71.4%	$211,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Gaithersburg 18250 Flower Hill Way, Gaithersburg, MD 20879 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	3 +20 HELOCs	0.4%	75%	$525,000	View
First National Bank of PA 1 office in Gaithersburg 18523 N Frederick Ave, Gaithersburg, MD 20879 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	3 +5 HELOCs	0.4%	100%	$305,000	View
TD Bank 2 offices in Gaithersburg 810 W Diamond Ave, Gaithersburg, MD 20878 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	2 +6 HELOCs	0.3%	100%	$470,000	View
Fidelity Direct Mortgage, LLC	Conventional	3	0.4%	100%	$411,666
Fulton Bank, National Association 96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85%	Conventional, HELOC	8 +2 HELOCs	1%	100%	$292,500	View
United Bank Va 1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15%	Conventional, HELOC	7 +2 HELOCs	0.9%	100%	$482,142	View
Educational Systems FCU 2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40%	Conventional, HELOC	6 +9 HELOCs	0.8%	77.8%	$441,666	View
Mid-Atlantic FCU 555 Quince Orchard Rd, Gaithersburg, MD 20878 A+5.0 ★Texas Ratio: 4.60%	Conventional, HELOC	5 +4 HELOCs	0.7%	83.3%	$441,000	View
Lower, LLC 810 Bestgate Rd, Annapolis, MD 21401	Conventional, FHA, VA, HELOC	5 +1 HELOCs	0.7%	83.3%	$619,000
Presidential Bank, FSB 4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48%	Conventional	4	0.5%	100%	$467,500	View
State Employees Credit Union of MD 10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00%	Conventional, HELOC	3 +5 HELOCs	0.4%	75%	$488,333
Burke & Herbert Bk & Tr Co 7815 Woodmont Ave, Bethesda, MD 20814 A5.0 ★Texas Ratio: 7.39%	Conventional	3	0.4%	100%	$365,000	View
Citizens Bank, NA 7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	2 +8 HELOCs	0.3%	100%	$635,000	View
Tower Federal Credit Union 810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97%	Conventional, HELOC	2 +6 HELOCs	0.3%	100%	$245,000
Dollar Bank, FSB 1275 National Hwy, Cumberland, MD 21502 A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$1,105,000	View
Pinnacle Bank 7272 Wisconsin Avenue, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0.1%	100%	$495,000	View
Nymeo Federal Credit Union 1 BANK ST STE 100, GAITHERSBURG, MD 20878 1501 A+5.0 ★Texas Ratio: 5.63%	Conventional	1	0.1%	100%	$675,000	View
Johns Hopkins FCU 1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732 A+5.0 ★Texas Ratio: 2.64%	Conventional	1	0.1%	100%	$545,000	View
SkyPoint FCU 19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874 A5.0 ★Texas Ratio: 9.36%	Conventional	1	0.1%	100%	$55,000	View
Capital Bank, N.A. 6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49%	FHA	1	0.1%	100%	$455,000	View
Nasa Federal Credit Union 2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0.1%	100%	$585,000	View
APL Federal Credit Union 8870 McGaw Rd, Columbia, MD 21045 A+5.0 ★Texas Ratio: 2.79%	HELOC	0 +2 HELOCs	0%	n/a		View
Lafayette Federal Credit Union 7537 Greenbelt Rd, Greenbelt, MD 20770 3403	HELOC	0 +2 HELOCs	0%	n/a
Wesbanco Bank, Inc. 2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87%	HELOC	0 +1 HELOCs	0%	n/a		View
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	19	2.5%	90.5%	$443,421	View
Nfm, Inc	Conventional, VA	9	1.2%	100%	$467,222
The Mortgage Link, Inc.	Conventional	7	0.9%	100%	$352,142
Direct Mortgage Loans, LLC	Conventional, FHA	5	0.7%	100%	$417,000
All Credit Considered Mortgage, Inc.	Conventional	2	0.3%	100%	$285,000
Nih Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Bayshore Mortgage Funding	FHA	1	0.1%	100%	$405,000
1st Financial, Inc.	Conventional	1	0.1%	100%	$155,000
Bay Capital Mortgage Corporation	VA	1	0.1%	33.3%	$735,000
Library of Congress Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA	81	10.5%	84.5%	$383,888
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	47 +2 HELOCs	6.1%	85%	$489,042
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	32 +15 HELOCs	4.2%	74.4%	$334,687	View
First Heritage Mortgage, LLC	Conventional, FHA, VA	28	3.6%	100%	$425,357
Vellum Mortgage, Inc.	Conventional, FHA	18	2.3%	100%	$532,222
Bay Equity LLC	Conventional, FHA, VA	16	2.1%	94.1%	$419,375
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	15 +1 HELOCs	2%	100%	$516,333
Pennymac Loan Services LLC	Conventional, FHA, VA	15	2%	78.9%	$429,666
TowneBank	Conventional, FHA	15	2%	100%	$499,666
Prosperity Home Mortgage, LLC	Conventional, FHA	15	2%	93.8%	$379,000
Atlantic Coast Mortgage, LLC	Conventional, FHA	13	1.7%	100%	$434,230
First Savings Mortgage Corporation	Conventional, FHA	12	1.6%	100%	$521,666
Newrez LLC	Conventional, FHA, VA	11	1.4%	68.8%	$338,636
Nationstar Mortgage	Conventional, FHA	9	1.2%	60%	$225,000
loanDepot.com LLC	Conventional, FHA, VA, HELOC	8 +1 HELOCs	1%	100%	$440,000
Freedom Mortgage Corporation	Conventional, FHA, VA	8	1%	83.3%	$488,750
Guaranteed Rate, Inc.	Conventional, FHA, VA	7	0.9%	87.5%	$600,714
First Alliance Home Mortgage, LLC	Conventional	7	0.9%	100%	$369,285
Embrace Home Loans, Inc.	Conventional, FHA, VA	7	0.9%	87.5%	$412,142
Guild Mortgage Company	Conventional	6	0.8%	100%	$526,666
Mortgage Research Center	VA	6	0.8%	100%	$558,333
Fairway Independent Mort Corp	Conventional, FHA, VA	6	0.8%	85.7%	$413,333
Spring Eq, LLC	Conventional, HELOC	5 +2 HELOCs	0.7%	35.7%	$53,000
Guaranteed Rate Affinity, LLC	Conventional	5	0.7%	100%	$457,000
American Pacific Mortgage Corporation	Conventional, VA	5	0.7%	100%	$213,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	5	0.7%	100%	$463,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	5	0.7%	83.3%	$207,000	View
Pentagon Federal Credit Union	Conventional, VA, HELOC	4 +4 HELOCs	0.5%	66.7%	$322,500
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	4 +1 HELOCs	0.5%	44.4%	$307,500	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.5%	100%	$347,500	View
Kind Lending, LLC	Conventional, FHA	4	0.5%	66.7%	$642,500
Loansteady LLC	Conventional, VA	4	0.5%	100%	$472,500
Movement Mortgage, LLC	Conventional, VA	4	0.5%	100%	$525,000
City Lending Inc.	Conventional, FHA	4	0.5%	100%	$342,500
Intercoastal Mortgage, LLC	Conventional	4	0.5%	100%	$772,500
T2 Financial LLC	Conventional	4	0.5%	100%	$305,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	4	0.5%	100%	$580,000	View
Bank Fund Staff Federal Credit	Conventional, HELOC	3 +4 HELOCs	0.4%	100%	$425,000
New American Funding, LLC.	Conventional, VA, HELOC	3 +2 HELOCs	0.4%	75%	$741,666
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	3	0.4%	83.3%	$371,666
Amerisave Mortgage Company	Conventional	3	0.4%	42.9%	$105,000
American Financial Network, Inc.	Conventional	3	0.4%	75%	$588,333
Union Home Mortgage Corp.	Conventional	3	0.4%	100%	$375,000
The Freedom Bank of Virginia C+4.2 ★Texas Ratio: 24.99%	Conventional	3	0.4%	100%	$431,666	View
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.4%	100%	$605,000
Keystone Funding, Inc	Conventional	3	0.4%	100%	$471,666
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	3	0.4%	75%	$218,333	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +3 HELOCs	0.3%	100%	$85,000	View
Better Mortgage Corporation	Conventional, HELOC	2 +1 HELOCs	0.3%	66.7%	$455,000
The Loan Store, Inc	Conventional, HELOC	2 +1 HELOCs	0.3%	100%	$475,000
Equity Resources Inc	Conventional	2	0.3%	100%	$155,000
Everett Financial, Inc.	Conventional, FHA	2	0.3%	100%	$175,000
Nbkc Bank	Conventional	2	0.3%	100%	$295,000
General Mortgage Capital Corporation	Conventional	2	0.3%	100%	$355,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	2	0.3%	100%	$385,000	View
Cmg Mortgage Inc	Conventional, VA	2	0.3%	100%	$575,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, FHA	2	0.3%	100%	$185,000	View
Sun West Mortgage Company, Inc	Conventional	2	0.3%	80%	$440,000
New Wave Lending Group Inc	Conventional	2	0.3%	100%	$430,000
Weichert Financial Services	Conventional	2	0.3%	100%	$340,000
Idb Global Federal Credit Union	Conventional	2	0.3%	100%	$450,000
Provident Funding Associates	Conventional	2	0.3%	100%	$390,000
Integrity Home Mortgage Corporation	Conventional	2	0.3%	100%	$265,000
Zillow Home Loans, LLC	Conventional	2	0.3%	100%	$380,000
Nmsi, Inc.	Conventional, FHA	2	0.3%	100%	$480,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	2	0.3%	100%	$375,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	2	0.3%	100%	$1,025,000	View
United Nations Federal CU	Conventional	2	0.3%	100%	$500,000
Carrington Mortgage Services LLC	Conventional	2	0.3%	50%	$295,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$375,000
Apple Federal Credit Union A+5.0 ★Texas Ratio: 2.79%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$465,000	View
Members 1St FCU	Conventional	1	0.1%	100%	$5,000
Originpoint, LLC	Conventional	1	0.1%	100%	$705,000
American Portfolio Mortgage Corporation	Conventional	1	0.1%	100%	$715,000
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0.1%	100%	$695,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$315,000	View
Primary Residential Mortgage, INC.	Conventional	1	0.1%	100%	$475,000
SWBC Mortgage Corporation	Conventional	1	0.1%	100%	$375,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$485,000
MortgageOne, Inc	VA	1	0.1%	100%	$495,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$435,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$485,000
PHH Mortgage Corporation	Conventional	1	0.1%	50%	$585,000
Dart Bank	Conventional	1	0.1%	100%	$255,000
Langley Federal Credit Union	Conventional	1	0.1%	100%	$585,000
Bond Street Mortgage, LLC	Conventional	1	0.1%	100%	$545,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	100%	$85,000
Reliant Home Funding, Inc	Conventional	1	0.1%	100%	$675,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$485,000
Valon Mortgage	Conventional	1	0.1%	100%	$465,000
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$445,000
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 3.99%	Conventional	1	0.1%	100%	$115,000	View
LoanFlight Lending, LLC.	Conventional	1	0.1%	100%	$385,000
Federated Mortgage Corp	Conventional	1	0.1%	100%	$675,000
First Intercontinental Bank	Conventional	1	0.1%	100%	$295,000
Total Mortgage Services, LLC	FHA	1	0.1%	100%	$455,000
Aurora Financial, LLC	Conventional	1	0.1%	100%	$465,000
Congressional Federal Credit Union	Conventional	1	0.1%	100%	$455,000
Greenbox Loans	Conventional	1	0.1%	100%	$205,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$735,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	50%	$385,000	View
First Option Mortgage, LLC	FHA	1	0.1%	100%	$555,000
Atlantic Bay Mortgage Group	Conventional	1	0.1%	100%	$615,000
Peoples Mortgage Company	Conventional	1	0.1%	100%	$405,000
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$155,000
Mortgage Equity Partners LLC	Conventional	1	0.1%	100%	$315,000
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$195,000
The Mortgage Firm	Conventional	1	0.1%	100%	$915,000
Founders Bank	Conventional	1	0.1%	100%	$25,000
Emet Lending Group, Inc.	Conventional	1	0.1%	100%	$525,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	FHA	1	0.1%	100%	$475,000	View
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$715,000	View
Philadelphia Mortgage Advisors, Inc.	Conventional	1	0.1%	100%	$235,000
Mld Mortgage, Inc.Dba the Money Store	VA	1	0.1%	100%	$775,000
Florida Capital Bank, N.A	Conventional	1	0.1%	100%	$975,000
State Departmenet Federal Credit Union	Conventional	1	0.1%	100%	$505,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$755,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	100%	$105,000	View
Texana Bank	Conventional	1	0.1%	100%	$325,000
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$485,000
Flyhomes Mortgage LLC	Conventional	1	0.1%	100%	$85,000
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +3 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union A5.0 ★Texas Ratio: 8.11%	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Hanscom Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Patriot FCU A5.0 ★Texas Ratio: 9.21%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Gaithersburg 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 Gaithersburg, Maryland

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

Types of Mortgage Lenders in Gaithersburg, MD

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

Mortgage companies and brokers 96 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 45 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 29 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 34 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 29 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 1 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MD 24 lenders headquartered in Maryland, the closest thing to a mortgage lender near you

Who Lends in Gaithersburg, MD

Independent mortgage companies closed 67.4 percent of home loans in Gaithersburg, Maryland in 2025, banks 23.3 percent and credit unions 9.2 percent. Fidelity Direct Mortgage, LLC was the largest mortgage company, Truist Bank the largest bank and Educational Systems FCU the largest credit union. Among lenders headquartered in Maryland, Fidelity Direct Mortgage, LLC led with 3 loans.

67.4%

Mortgage companies

23.3%

Banks

9.2%

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 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

Frequently Asked Questions About Mortgage Lenders in Gaithersburg, MD

Who is the largest mortgage lender in Gaithersburg, MD?

By home loans closed in 2025, Truist Bank was the largest mortgage lender in Gaithersburg, Maryland with 25 loans, about 3.3 percent of the market. The largest lender headquartered in Maryland was Fidelity Direct Mortgage, LLC with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Gaithersburg, Maryland, Rocket Mortgage approved the highest share of completed applications in 2025 at 84.5 percent, against a 88.1 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 Gaithersburg, MD mortgage lenders offer FHA, VA and USDA loans?

34 lenders closed FHA loans in Gaithersburg, Maryland in 2025, led by United Wholesale Mortgage with 8. 29 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 Gaithersburg, MD lender list?

Yes. 45 banks and 29 credit unions closed home loans in Gaithersburg, Maryland in 2025, alongside 96 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 Gaithersburg, MD ranked on this page?

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