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Mortgage Lenders and Brokers in Germantown, Maryland

Content reviewed by

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

Germantown, Maryland mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA21111 Frederick Rd, Germantown, MD 20876A+5.0 ★Texas Ratio: 3.68%, Truist BankTruist Bank19941 Century Blvd, Germantown, MD 20874A+5.0 ★Texas Ratio: 2.87%, M&T BankM&T Bank12914 Middlebrook Rd, Germantown, MD 20874A+5.0 ★Texas Ratio: 4.11%, First National Bank of PAFirst National Bank of PA19790 Crystal Rock Dr, Germantown, MD 20874A+5.0 ★Texas Ratio: 1.62%, Bank of America NABank of America NA19707 Germantown Rd, Germantown, MD 20874A+5.0 ★Texas Ratio: 4.14%, Atlantic Union BankAtlantic Union Bank20930 Frederick Rd, Germantown, MD 20876A+5.0 ★Texas Ratio: 2.51%, Wells Fargo Bank NAWells Fargo Bank NA19708 Germantown Rd, Germantown, MD 20874A+5.0 ★Texas Ratio: 5.36%, TD BankTD Bank19905 Century Blvd, Germantown, MD 20874A+5.0 ★Texas Ratio: 3.71%, Mid-Atlantic FCUMid-Atlantic FCU12820 Wisteria Dr, Germantown, MD 20874 2627A+5.0 ★Texas Ratio: 4.60%, and PNC Bank N.A.PNC Bank N.A.18331 Leaman Farm Rd, Germantown, MD 20874A+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 Germantown, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Germantown 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 Germantown, Maryland

Market share is the lender's share of all home loans closed in Germantown, 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
JPMorgan Chase Bank, NA 1 office in Germantown 21111 Frederick Rd, Germantown, MD 20876 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	34	3.2%	100%	$368,823	View
Truist Bank ★ 1 stars, 1 review 1 office in Germantown 19941 Century Blvd, Germantown, MD 20874 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, HELOC	28 +26 HELOCs	2.6%	93.3%	$411,785	View
M&T Bank 2 offices in Germantown 12914 Middlebrook Rd, Germantown, MD 20874 A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, HELOC	13 +11 HELOCs	1.2%	100%	$394,230	View
First National Bank of PA 1 office in Germantown 19790 Crystal Rock Dr, Germantown, MD 20874 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	10 +10 HELOCs	0.9%	50%	$295,000	View
Bank of America NA 2 offices in Germantown 19707 Germantown Rd, Germantown, MD 20874 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	8 +26 HELOCs	0.7%	80%	$345,000	View
Atlantic Union Bank 1 office in Germantown 20930 Frederick Rd, Germantown, MD 20876 A+5.0 ★Texas Ratio: 2.51%	Conventional, FHA, HELOC	7 +9 HELOCs	0.6%	100%	$360,714	View
Wells Fargo Bank NA 1 office in Germantown 19708 Germantown Rd, Germantown, MD 20874 A+5.0 ★Texas Ratio: 5.36%	Conventional	6	0.6%	85.7%	$333,333	View
TD Bank 1 office in Germantown 19905 Century Blvd, Germantown, MD 20874 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	4 +7 HELOCs	0.4%	57.1%	$232,500	View
Mid-Atlantic FCU 12820 Wisteria Dr, Germantown, MD 20874 2627 A+5.0 ★Texas Ratio: 4.60%	Conventional, HELOC	3 +6 HELOCs	0.3%	100%	$298,333	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Germantown 18331 Leaman Farm Rd, Germantown, MD 20874 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +45 HELOCs	0.2%	66.7%	$610,000	View
SkyPoint FCU 19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874 A5.0 ★Texas Ratio: 9.36%	Conventional	1	0.1%	100%	$25,000	View
Lower, LLC 810 Bestgate Rd, Annapolis, MD 21401	Conventional, FHA, VA	15	1.4%	100%	$376,333
Presidential Bank, FSB 4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA, VA	13	1.2%	100%	$405,769	View
Citibank, NA 8001 Wisconsin Ave, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 2.82%	Conventional	13	1.2%	86.7%	$418,846	View
Educational Systems FCU 19215 Frederick Rd, Germantown, MD 20876 A+5.0 ★Texas Ratio: 3.40%	Conventional, HELOC	8 +16 HELOCs	0.7%	69.2%	$106,250	View
United Bank Va 1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15%	Conventional	6	0.6%	100%	$365,000	View
Shore United Bank, N.A. 200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61%	Conventional, FHA	6	0.6%	100%	$406,666	View
State Employees Credit Union of MD 10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00%	Conventional, HELOC	5 +10 HELOCs	0.5%	100%	$469,000
Fulton Bank, National Association 96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85%	Conventional, HELOC	4 +3 HELOCs	0.4%	100%	$535,000	View
Pinnacle Bank 7272 Wisconsin Avenue, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 3.04%	Conventional	4	0.4%	100%	$195,000	View
Tower Federal Credit Union 810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97%	Conventional, HELOC	2 +5 HELOCs	0.2%	60%	$325,000
Capital Bank, N.A. 6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49%	Conventional	2	0.2%	100%	$340,000	View
Securityplus FCU 7135 Windsor Blvd, Baltimore, MD 21244 A5.0 ★Texas Ratio: 9.19%	Conventional	2	0.2%	100%	$600,000	View
Citizens Bank, NA 7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +8 HELOCs	0.1%	100%	$295,000	View
Nymeo Federal Credit Union 1041A W PATRICK ST, FREDERICK, MD 21702 3903 A+5.0 ★Texas Ratio: 5.63%	Conventional	1	0.1%	100%	$365,000	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	1	0.1%	100%	$225,000	View
Andrews Federal Credit Union 1677 D St, JB Andrews, MD 20762 A5.0 ★Texas Ratio: 10.28%	Conventional	1	0.1%	100%	$95,000	View
John Marshall Bank 11 N Washington St, Rockville, MD 20850 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$195,000	View
Nasa Federal Credit Union 2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +3 HELOCs	0%	n/a		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
Wesbanco Bank, Inc. 2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87%	HELOC	0 +1 HELOCs	0%	n/a		View
FedChoice Federal Credit Union 10001 Willowdale Rd, Lanham, MD 20706 4321 A+5.0 ★Texas Ratio: 4.50%	HELOC	0 +1 HELOCs	0%	n/a		View
Lafayette Federal Credit Union 7537 Greenbelt Rd, Greenbelt, MD 20770 3403	HELOC	0 +1 HELOCs	0%	n/a
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	26	2.4%	96.3%	$360,000	View
Nfm, Inc	Conventional, FHA	13	1.2%	100%	$352,692
The Mortgage Link, Inc.	Conventional	9	0.8%	83.3%	$356,111
Fidelity Direct Mortgage, LLC	Conventional, FHA	7	0.6%	100%	$325,000
Direct Mortgage Loans, LLC	Conventional, FHA	7	0.6%	100%	$330,714
Nih Federal Credit Union	Conventional	4	0.4%	100%	$302,500
Bay Capital Mortgage Corporation	Conventional	3	0.3%	100%	$468,333
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$255,000
Universal Mortgage & Finance, Inc	FHA	1	0.1%	100%	$295,000
Bayshore Mortgage Funding	FHA	1	0.1%	100%	$455,000
1st Financial, Inc.	FHA	1	0.1%	33.3%	$375,000
Rocket Mortgage	Conventional, FHA, VA	126	11.7%	83.6%	$315,952
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	71 +3 HELOCs	6.6%	80.9%	$432,746
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	27 +15 HELOCs	2.5%	64.4%	$235,370	View
First Heritage Mortgage, LLC	Conventional, FHA	26	2.4%	89.7%	$408,461
TowneBank	Conventional, FHA, VA	26	2.4%	90.3%	$416,538
Pennymac Loan Services LLC	Conventional, FHA, VA	25	2.3%	68.3%	$230,200
CrossCountry Mortgage, LLC	Conventional, FHA	23	2.1%	95.8%	$372,391
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	22	2%	84.6%	$330,454
Newrez LLC	Conventional, FHA, VA	18	1.7%	40%	$249,444
Embrace Home Loans, Inc.	Conventional, FHA, VA	15	1.4%	80%	$372,333
Bay Equity LLC	Conventional, FHA	14	1.3%	100%	$398,571
Nationstar Mortgage	Conventional, FHA, VA	13	1.2%	82.4%	$131,923
First Savings Mortgage Corporation	Conventional, VA	11	1%	100%	$377,727
Provident Funding Associates	Conventional	11	1%	100%	$445,000
Vellum Mortgage, Inc.	Conventional, FHA, VA	11	1%	100%	$397,727
Fairway Independent Mort Corp	Conventional, FHA, VA	11	1%	100%	$367,727
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	11	1%	100%	$299,545	View
American Pacific Mortgage Corporation	Conventional, FHA	10	0.9%	100%	$391,000
Mutual of Omaha Mortgage	Conventional, FHA	10	0.9%	71.4%	$449,000
New American Funding, LLC.	Conventional, FHA, HELOC	9 +1 HELOCs	0.8%	90%	$247,222
Freedom Mortgage Corporation	Conventional, FHA, VA	9	0.8%	75%	$386,111
Mortgage Research Center	Conventional, VA	9	0.8%	81.8%	$412,777
Bank Fund Staff Federal Credit	Conventional, HELOC	8 +4 HELOCs	0.7%	100%	$306,250
Atlantic Coast Mortgage, LLC	Conventional, FHA	8	0.7%	100%	$435,000
Movement Mortgage, LLC	Conventional, FHA, VA	8	0.7%	90%	$408,750
Spring Eq, LLC	Conventional, HELOC	7 +4 HELOCs	0.6%	34.8%	$112,142
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	7 +1 HELOCs	0.6%	77.8%	$286,428	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	7	0.6%	100%	$427,857	View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	6 +7 HELOCs	0.6%	85.7%	$413,333
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, HELOC	6 +1 HELOCs	0.6%	85.7%	$431,666	View
Guild Mortgage Company	Conventional, FHA	6	0.6%	75%	$336,666
Intercoastal Mortgage, LLC	Conventional, FHA	6	0.6%	100%	$370,000
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional, VA	5	0.5%	100%	$417,000	View
Primary Residential Mortgage, INC.	Conventional	5	0.5%	100%	$301,000
Zillow Home Loans, LLC	Conventional, FHA	5	0.5%	100%	$411,000
Paramount Residential Mortgage	Conventional	5	0.5%	100%	$441,000
Carrington Mortgage Services LLC	Conventional, FHA	5	0.5%	60%	$293,000
The Loan Store, Inc	Conventional, FHA, HELOC	4 +1 HELOCs	0.4%	100%	$405,000
Cornerstone First Mortgage, LLC	Conventional	4	0.4%	100%	$340,000
Guaranteed Rate Affinity, LLC	Conventional, FHA	4	0.4%	80%	$532,500
Guaranteed Rate, Inc.	Conventional, FHA, VA	4	0.4%	66.7%	$385,000
SWBC Mortgage Corporation	Conventional, FHA, VA	4	0.4%	100%	$532,500
Kind Lending, LLC	Conventional, FHA	4	0.4%	100%	$527,500
Amerisave Mortgage Company	Conventional, FHA	4	0.4%	19%	$117,500
AdvantageFirst Lending Inc	FHA, VA	4	0.4%	80%	$590,000
Instamortgage, Inc	Conventional	4	0.4%	100%	$477,500
Cmg Mortgage Inc	Conventional, FHA	4	0.4%	100%	$490,000
Atlantic Bay Mortgage Group	Conventional, FHA, VA	4	0.4%	100%	$375,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	4	0.4%	66.7%	$90,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +4 HELOCs	0.3%	75%	$171,666	View
Union Home Mortgage Corp.	Conventional, HELOC	3 +3 HELOCs	0.3%	75%	$311,666
Equity Resources Inc	Conventional, VA	3	0.3%	100%	$301,666
First Community Mortgage, Inc.	Conventional, VA	3	0.3%	100%	$468,333
Primelending	Conventional, FHA	3	0.3%	100%	$365,000
Lakeview Loan Servicing, LLC	FHA, VA	3	0.3%	33.3%	$415,000
Dart Bank	Conventional, FHA	3	0.3%	100%	$445,000
Resicentral LLC	Conventional, VA	3	0.3%	100%	$401,666
American Financial Network, Inc.	Conventional, FHA	3	0.3%	100%	$518,333
General Mortgage Capital Corporation	Conventional	3	0.3%	100%	$358,333
City Lending Inc.	Conventional, FHA	3	0.3%	42.9%	$308,333
AmWest Funding Corp	Conventional	3	0.3%	75%	$438,333
Sun West Mortgage Company, Inc	Conventional, FHA	3	0.3%	100%	$355,000
New Wave Lending Group Inc	Conventional	3	0.3%	100%	$331,666
T2 Financial LLC	Conventional, FHA	3	0.3%	100%	$415,000
Mortgage Equity Partners LLC	Conventional	3	0.3%	75%	$298,333
Tjc Mortgage Inc	Conventional, VA	3	0.3%	100%	$328,333
Nmsi, Inc.	Conventional	3	0.3%	100%	$338,333
State Departmenet Federal Credit Union	Conventional	3	0.3%	100%	$165,000
Plaza Home Mortgage, Inc	Conventional, FHA	3	0.3%	60%	$505,000
Village Capital & Investment	VA	3	0.3%	87.5%	$815,000
Pentagon Federal Credit Union	Conventional, FHA, HELOC	2 +7 HELOCs	0.2%	28.6%	$330,000
Better Mortgage Corporation	Conventional, HELOC	2 +3 HELOCs	0.2%	100%	$575,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, HELOC	2 +1 HELOCs	0.2%	100%	$495,000	View
Originpoint, LLC	Conventional	2	0.2%	100%	$310,000
Everett Financial, Inc.	Conventional	2	0.2%	100%	$315,000
Sage Home Loans Corporation	Conventional	2	0.2%	80%	$475,000
Nbkc Bank	Conventional, FHA	2	0.2%	100%	$440,000
Loansteady LLC	Conventional, FHA	2	0.2%	100%	$610,000
Guidance Residential, LLC	Conventional	2	0.2%	100%	$400,000
United Trust Bank	VA	2	0.2%	66.7%	$345,000
Credit Union Mortgage Associat	Conventional, FHA	2	0.2%	100%	$485,000
ClearPath Lending	VA	2	0.2%	100%	$420,000
Total Mortgage Services, LLC	VA	2	0.2%	100%	$385,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.2%	100%	$550,000	View
Churchill Mortgage Corporation	Conventional, VA	2	0.2%	100%	$440,000
Planet Home Lending, LLC	Conventional, VA	2	0.2%	100%	$290,000
Integrity Home Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$240,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	2	0.2%	100%	$480,000
Radius Financial Group Inc	Conventional	2	0.2%	100%	$315,000
Nations Direct Mortgage, LLC	Conventional, FHA	2	0.2%	100%	$360,000
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 3.99%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$75,000	View
Ussfcu	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$65,000
Arc Home LLC	Conventional	1	0.1%	100%	$235,000
Blue Ridge Bank A5.0 ★Texas Ratio: 8.11%	Conventional	1	0.1%	100%	$585,000	View
Consumer Real Estate Finance Co DBA Society Mortgage	FHA	1	0.1%	100%	$355,000
Self Reliance (NY) FCU	Conventional	1	0.1%	100%	$285,000
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0.1%	100%	$535,000	View
American Financial Resources LLC	FHA	1	0.1%	100%	$315,000
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.1%	100%	$785,000
MortgageOne, Inc	Conventional	1	0.1%	100%	$665,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$375,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$805,000
AAA Capital Investment, Inc	Conventional	1	0.1%	100%	$275,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$445,000
Bank of Clarke A5.0 ★Texas Ratio: 7.27%	Conventional	1	0.1%	100%	$405,000	View
PHH Mortgage Corporation	Conventional	1	0.1%	33.3%	$165,000
Langley Federal Credit Union	Conventional	1	0.1%	100%	$735,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$365,000
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$405,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$445,000
Home Mortgage Alliance Corp (Hmac)	FHA	1	0.1%	100%	$395,000
HomeBridge Financial Services, Inc	VA	1	0.1%	50%	$385,000
First Alliance Home Mortgage, LLC	FHA	1	0.1%	50%	$255,000
Select Lending Services, LLC	Conventional	1	0.1%	100%	$605,000
Idb Global Federal Credit Union	Conventional	1	0.1%	100%	$245,000
Justice Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$285,000
New Day Financial, LLC.	VA	1	0.1%	100%	$585,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$305,000	View
The Freedom Bank of Virginia C+4.2 ★Texas Ratio: 24.99%	Conventional	1	0.1%	100%	$505,000	View
Franklin Loan Corporation	FHA	1	0.1%	100%	$735,000
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$565,000
Hometown Equity Mortgage, LLC	FHA	1	0.1%	50%	$535,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$405,000	View
Milend, Inc	FHA	1	0.1%	100%	$295,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$75,000
Uif Corporation	Conventional	1	0.1%	100%	$365,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	50%	$255,000	View
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	50%	$435,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$585,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$595,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	33.3%	$275,000	View
Nationwide Mortgage Bankers, Inc.	FHA	1	0.1%	100%	$365,000
United Nations Federal CU	Conventional	1	0.1%	100%	$175,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	66.7%	$755,000	View
Reliance First Capital, LLC	FHA	1	0.1%	100%	$475,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA	1	0.1%	100%	$755,000	View
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$485,000
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$235,000
Griffin Funding Inc.	FHA	1	0.1%	100%	$365,000
Figure Lending LLC	HELOC	0 +6 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
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Skyla Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	0%
Valon Mortgage	HELOC	0 +1 HELOCs	0%	0%
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	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.

Germantown 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 Germantown, Maryland

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

Types of Mortgage Lenders in Germantown, MD

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

Mortgage companies and brokers 118 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 77 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 40 lenders. No down payment and no mortgage insurance for eligible veterans and service members Local lenders based in MD 28 lenders headquartered in Maryland, the closest thing to a mortgage lender near you

Who Lends in Germantown, MD

Independent mortgage companies closed 69.9 percent of home loans in Germantown, Maryland in 2025, banks 22.9 percent and credit unions 7.1 percent. Lower, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Mid-Atlantic FCU the largest credit union. Among lenders headquartered in Maryland, Mid-Atlantic FCU led with 3 loans.

69.9%

Mortgage companies

22.9%

Banks

7.1%

Credit unions

18%

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 Odenton 173 lenders Pasadena 160 lenders Dundalk 146 lenders Rockville 157 lenders

Frequently Asked Questions About Mortgage Lenders in Germantown, MD

Who is the largest mortgage lender in Germantown, MD?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Germantown, Maryland with 34 loans, about 3.2 percent of the market. The largest lender headquartered in Maryland was Mid-Atlantic FCU with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Germantown, Maryland, Rocket Mortgage approved the highest share of completed applications in 2025 at 83.6 percent, against a 81.7 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 Germantown, MD mortgage lenders offer FHA, VA and USDA loans?

77 lenders closed FHA loans in Germantown, Maryland in 2025, led by United Wholesale Mortgage with 18. 40 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 Germantown, MD lender list?

Yes. 45 banks and 29 credit unions closed home loans in Germantown, Maryland in 2025, alongside 118 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 Germantown, MD ranked on this page?

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