☰

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 / Hagerstown

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Hagerstown, Maryland

Content reviewed by

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

Hagerstown, Maryland mortgage lenders include Cnb Bank Inc.Cnb Bank Inc.1591 Potomac Ave, Hagerstown, MD 21742A+5.0 ★Texas Ratio: 0.74%, Truist BankTruist Bank13232 Fountain Head Plz, Hagerstown, MD 21742A+5.0 ★Texas Ratio: 2.87%, Fulton Bank, National AssociationFulton Bank, National Association18201 Maugans Ave, Hagerstown, MD 21740A+5.0 ★Texas Ratio: 4.85%, M&T BankM&T Bank17301 Valley Mall Rd, Hagerstown, MD 21740A+5.0 ★Texas Ratio: 4.11%, PNC Bank N.A.PNC Bank N.A.12916 Conamar Dr, Hagerstown, MD 21742A+5.0 ★Texas Ratio: 4.24%, Middletown Valley BankMiddletown Valley Bank13418 Marsh Pike, Hagerstown, MD 21742A+5.0 ★Texas Ratio: 1.21%, United Bank VaUnited Bank Va18750 North Pointe Dr, Hagerstown, MD 21742A+5.0 ★Texas Ratio: 2.15%, Ameriserv Financial BankAmeriserv Financial Bank12806 Shank Farm Way, Hagerstown, MD 21742A+5.0 ★Texas Ratio: 5.69%, Potomac BankPotomac Bank1101 Frederick St, Hagerstown, MD 21740A+5.0 ★Texas Ratio: 0.66%, and Orrstown BankOrrstown Bank1020 Professional Ct, Hagerstown, MD 21740A+5.0 ★Texas Ratio: 4.11%. 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 Hagerstown, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Hagerstown 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 Hagerstown, Maryland

Market share is the lender's share of all home loans closed in Hagerstown, 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
Cnb Bank Inc. 3 offices in Hagerstown 1591 Potomac Ave, Hagerstown, MD 21742 A+5.0 ★Texas Ratio: 0.74%	Conventional, FHA	15	2%	88.2%	$243,666	View
Truist Bank ★ 1 stars, 1 review 4 offices in Hagerstown 13232 Fountain Head Plz, Hagerstown, MD 21742 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, HELOC	10 +22 HELOCs	1.3%	90.9%	$227,000	View
Fulton Bank, National Association 4 offices in Hagerstown 18201 Maugans Ave, Hagerstown, MD 21740 A+5.0 ★Texas Ratio: 4.85%	Conventional, FHA, HELOC	10 +14 HELOCs	1.3%	90.9%	$173,000	View
M&T Bank 5 offices in Hagerstown 17301 Valley Mall Rd, Hagerstown, MD 21740 A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, HELOC	9 +26 HELOCs	1.2%	64.3%	$207,222	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3 offices in Hagerstown 12916 Conamar Dr, Hagerstown, MD 21742 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	5 +18 HELOCs	0.7%	100%	$263,000	View
Middletown Valley Bank 2 offices in Hagerstown 13418 Marsh Pike, Hagerstown, MD 21742 A+5.0 ★Texas Ratio: 1.21%	Conventional	3	0.4%	100%	$165,000	View
United Bank Va 2 offices in Hagerstown 18750 North Pointe Dr, Hagerstown, MD 21742 A+5.0 ★Texas Ratio: 2.15%	Conventional	2	0.3%	100%	$160,000	View
Ameriserv Financial Bank 1 office in Hagerstown 12806 Shank Farm Way, Hagerstown, MD 21742 A+5.0 ★Texas Ratio: 5.69%	Conventional	2	0.3%	28.6%	$150,000	View
Potomac Bank 1 office in Hagerstown 1101 Frederick St, Hagerstown, MD 21740 A+5.0 ★Texas Ratio: 0.66%	Conventional	2	0.3%	100%	$320,000	View
Orrstown Bank 1 office in Hagerstown 1020 Professional Ct, Hagerstown, MD 21740 A+5.0 ★Texas Ratio: 4.11%	Conventional, HELOC	1 +6 HELOCs	0.1%	100%	$145,000	View
Shore United Bank, N.A. 200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61%	Conventional, FHA, VA	9	1.2%	100%	$290,555	View
State Employees Credit Union of MD 17239 Cole Rd, Hagerstown, MD 21740 6981 A5.0 ★Texas Ratio: 6.00%	Conventional, FHA, HELOC	8 +15 HELOCs	1%	88.9%	$260,000
Presidential Bank, FSB 4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA	7	0.9%	100%	$296,428	View
Lower, LLC 810 Bestgate Rd, Annapolis, MD 21401	Conventional, FHA, VA	5	0.7%	83.3%	$223,000
First United Bank & Trust 130 S Edgewood Dr, Hagerstown, MD 21740 A+5.0 ★Texas Ratio: 2.11%	Conventional	2	0.3%	50%	$135,000	View
Wells Fargo Bank NA 400 Constant Friendship Blvd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 5.36%	Conventional	2	0.3%	100%	$235,000	View
JPMorgan Chase Bank, NA 920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$355,000	View
Bank of America NA 122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$235,000	View
Cathay Bank 650 Hungerford Dr, Rockville, MD 20850 A+5.0 ★Texas Ratio: 4.57%	Conventional	1	0.1%	50%	$315,000	View
Atlantic Union Bank 166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51%	Conventional	1	0.1%	100%	$155,000	View
Jefferson Security Bank 103 W Main St, Sharpsburg, MD 21782 A+4.9 ★Texas Ratio: 0.10%	Conventional	1	0.1%	100%	$215,000	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%	$85,000	View
First National Bank of PA 3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0.1%	100%	$275,000	View
Citibank, NA 8001 Wisconsin Ave, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$165,000	View
TD Bank 2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71%	Conventional	1	0.1%	100%	$85,000	View
Citizens Bank, NA 7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +2 HELOCs	0%	0%		View
Educational Systems FCU 2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40%	HELOC	0 +1 HELOCs	0%	n/a		View
Nasa Federal Credit Union 2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +1 HELOCs	0%	n/a		View
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA	20	2.6%	95.2%	$216,000	View
Direct Mortgage Loans, LLC	Conventional, FHA, VA	13	1.7%	100%	$252,692
Millennium Financial Group Inc dba Mlend	Conventional, FHA, USDA	12	1.6%	100%	$255,833
Nfm, Inc	Conventional, FHA	10	1.3%	83.3%	$307,000
Bay Capital Mortgage Corporation	Conventional, FHA, VA	5	0.7%	100%	$259,000
All Credit Considered Mortgage, Inc.	Conventional	3	0.4%	100%	$235,000
Fidelity Direct Mortgage, LLC	Conventional, FHA	3	0.4%	100%	$211,666
Bayshore Mortgage Funding	Conventional	1	0.1%	100%	$285,000
1st Financial, Inc.	Conventional	1	0.1%	100%	$395,000
Municipal Employees Credit Union A5.0 ★Texas Ratio: 7.57%	Conventional	1	0.1%	50%	$95,000	View
The Mortgage Link, Inc.	FHA	1	0.1%	100%	$215,000
Rocket Mortgage	Conventional, FHA, VA	80	10.5%	74.6%	$209,125
United Wholesale Mortgage	Conventional, FHA, VA	62	8.1%	88.9%	$276,451
Pennymac Loan Services LLC	Conventional, FHA, VA	29	3.8%	74.4%	$224,310
Freedom Mortgage Corporation	FHA, VA	22	2.9%	100%	$278,181
Integrity Home Mortgage Corporation	Conventional, FHA, VA	21	2.8%	92%	$245,476
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	16 +6 HELOCs	2.1%	66.7%	$231,250	View
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	16 +1 HELOCs	2.1%	84.2%	$271,250
Newrez LLC	Conventional, FHA, VA	16	2.1%	55.2%	$268,750
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	14	1.8%	87.5%	$312,857
TowneBank	Conventional, FHA	13	1.7%	100%	$302,692
Nationstar Mortgage	Conventional, FHA, VA	12	1.6%	85.7%	$140,833
Mortgage Research Center	Conventional, FHA, VA	12	1.6%	70.6%	$323,333
Guild Mortgage Company	Conventional, FHA, VA	11	1.4%	84.6%	$187,727
Cmg Mortgage Inc	Conventional, FHA, USDA	11	1.4%	100%	$256,818
loanDepot.com LLC	Conventional, FHA, VA, HELOC	9 +3 HELOCs	1.2%	90.9%	$228,333
Primelending	Conventional, FHA	9	1.2%	100%	$263,888
Atlantic Coast Mortgage, LLC	Conventional, FHA	9	1.2%	100%	$297,222
Primary Residential Mortgage, INC.	Conventional, FHA	9	1.2%	90%	$147,222
American Pacific Mortgage Corporation	Conventional, FHA, VA	9	1.2%	90%	$260,555
New American Funding, LLC.	Conventional, FHA, VA	9	1.2%	81.8%	$187,222
Embrace Home Loans, Inc.	Conventional, FHA, VA	8	1%	100%	$233,750
City Lending Inc.	Conventional, FHA	7	0.9%	100%	$219,285
First Heritage Mortgage, LLC	Conventional, FHA	7	0.9%	87.5%	$242,142
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional, FHA	6	0.8%	100%	$188,333	View
Guaranteed Rate, Inc.	Conventional, FHA	6	0.8%	75%	$351,666
Fairway Independent Mort Corp	Conventional, FHA	6	0.8%	100%	$263,333
Movement Mortgage, LLC	Conventional, FHA, VA	5	0.7%	100%	$241,000
Total Mortgage Services, LLC	Conventional, FHA	5	0.7%	100%	$147,000
Vellum Mortgage, Inc.	Conventional, FHA	5	0.7%	100%	$229,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	5	0.7%	55.6%	$281,000
The Loan Store, Inc	Conventional, FHA	5	0.7%	100%	$303,000
Village Capital & Investment	FHA, VA	5	0.7%	87.5%	$307,000
Envoy Mortgage, Ltd	Conventional, FHA	4	0.5%	100%	$295,000
American Financial Network, Inc.	Conventional, FHA	4	0.5%	80%	$295,000
Planet Home Lending, LLC	FHA, VA	4	0.5%	100%	$300,000
Park Lane Finance SolutionsLLC	Conventional	4	0.5%	50%	$102,500
Everett Financial, Inc.	Conventional, VA	3	0.4%	100%	$298,333
Amerisave Mortgage Company	Conventional	3	0.4%	23.1%	$105,000
Michigan Mutual, Inc	Conventional, FHA	3	0.4%	100%	$205,000
Sun West Mortgage Company, Inc	FHA	3	0.4%	83.3%	$178,333
Click n' Close, Inc.	Conventional, FHA	3	0.4%	100%	$191,666
Carrington Mortgage Services LLC	Conventional, FHA	3	0.4%	33.3%	$165,000
Spring Eq, LLC	Conventional, HELOC	2 +1 HELOCs	0.3%	33.3%	$85,000
Equity Resources Inc	FHA, VA	2	0.3%	100%	$255,000
Tidewater Mortgage Services, Inc	FHA, VA	2	0.3%	100%	$440,000
SWBC Mortgage Corporation	Conventional	2	0.3%	100%	$275,000
Kind Lending, LLC	Conventional, VA	2	0.3%	40%	$300,000
Triad Financial Services, Inc.	Conventional	2	0.3%	85.7%	$70,000
PHH Mortgage Corporation	Conventional, VA	2	0.3%	100%	$240,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, FHA	2	0.3%	33.3%	$95,000	View
Absolute Home Mortgage	Conventional, FHA	2	0.3%	100%	$340,000
First Savings Mortgage Corporation	Conventional	2	0.3%	100%	$125,000
Union Home Mortgage Corp.	VA	2	0.3%	100%	$540,000
Bay Equity LLC	FHA	2	0.3%	66.7%	$255,000
New Day Financial, LLC.	VA	2	0.3%	60%	$290,000
Mortgage Equity Partners LLC	FHA, VA	2	0.3%	100%	$355,000
Milend, Inc	Conventional	2	0.3%	100%	$215,000
Geo-Corp, Inc.	FHA	2	0.3%	100%	$275,000
Zillow Home Loans, LLC	Conventional	2	0.3%	100%	$235,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.3%	100%	$125,000	View
Paramount Residential Mortgage	Conventional	2	0.3%	100%	$255,000
Patriot FCU A5.0 ★Texas Ratio: 9.21%	Conventional, HELOC	1 +16 HELOCs	0.1%	50%	$65,000	View
HomeBridge Financial Services, Inc	FHA, HELOC	1 +2 HELOCs	0.1%	100%	$325,000
Goodleap, LLC	FHA, HELOC	1 +1 HELOCs	0.1%	25%	$205,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$375,000
Arc Home LLC	Conventional	1	0.1%	100%	$395,000
EMM Loans LLC	Conventional	1	0.1%	100%	$345,000
Genisys Credit Union	Conventional	1	0.1%	100%	$495,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$205,000
First Community Mortgage, Inc.	Conventional	1	0.1%	100%	$335,000
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	50%	$275,000
American Financial Resources LLC	VA	1	0.1%	100%	$265,000
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$145,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	FHA	1	0.1%	100%	$495,000	View
Sage Home Loans Corporation	Conventional	1	0.1%	50%	$315,000
Equity Prime Mortgage LLC	FHA	1	0.1%	50%	$235,000
Loansteady LLC	FHA	1	0.1%	100%	$465,000
Bank of Clarke A5.0 ★Texas Ratio: 7.27%	Conventional	1	0.1%	100%	$405,000	View
Norwich Commercial Group Inc	Conventional	1	0.1%	100%	$615,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$135,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$285,000
Dart Bank	FHA	1	0.1%	100%	$185,000
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$215,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$145,000
Resicentral LLC	FHA	1	0.1%	100%	$345,000
Reliant Home Funding, Inc	Conventional	1	0.1%	100%	$285,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$185,000
Foote Capital Mortgage Company	Conventional	1	0.1%	100%	$195,000
Acre Mortgage & Financial, Inc.	FHA	1	0.1%	100%	$465,000
Financial Freedom Mortgage, LLC	FHA	1	0.1%	100%	$95,000
First Alliance Home Mortgage, LLC	Conventional	1	0.1%	100%	$225,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$265,000
Bank Fund Staff Federal Credit	Conventional	1	0.1%	100%	$565,000
Select Lending Services, LLC	VA	1	0.1%	100%	$455,000
East Coast Capital Corp.	Conventional	1	0.1%	100%	$55,000
Federated Mortgage Corp	Conventional	1	0.1%	100%	$315,000
Corning Credit Union	Conventional	1	0.1%	100%	$285,000
Congressional Federal Credit Union	Conventional	1	0.1%	100%	$45,000
Delta Community Credit Union	Conventional	1	0.1%	100%	$225,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$165,000
Stg Mortgage Inc	FHA	1	0.1%	100%	$425,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	1	0.1%	100%	$125,000	View
Churchill Mortgage Corporation	VA	1	0.1%	100%	$375,000
Nations Lending Corporation	Conventional	1	0.1%	100%	$285,000
Franklin Loan Corporation	FHA	1	0.1%	100%	$215,000
T2 Financial LLC	Conventional	1	0.1%	100%	$295,000
Sierra Pacific Mortgage Co. Inc	FHA	1	0.1%	100%	$275,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	50%	$55,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	FHA	1	0.1%	100%	$135,000	View
Better Mortgage Corporation	Conventional	1	0.1%	33.3%	$105,000
Radius Financial Group Inc	Conventional	1	0.1%	100%	$185,000
Genway Home Mortgage, Inc.	FHA	1	0.1%	100%	$525,000
HomeSale Mortgage	Conventional	1	0.1%	100%	$105,000
Nations Direct Mortgage, LLC	FHA	1	0.1%	100%	$145,000
Summit Funding.Inc	FHA	1	0.1%	100%	$325,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	25%	$235,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	100%	$105,000	View
Nexera Holding LLC	Conventional	1	0.1%	100%	$85,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	16.7%	$95,000
Reliance First Capital, LLC	VA	1	0.1%	100%	$395,000
Texana Bank	FHA	1	0.1%	100%	$225,000
Champions Funding, LLC	Conventional	1	0.1%	50%	$165,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +5 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 3.99%	HELOC	0 +2 HELOCs	0%	n/a		View
Farmers and Merchants Trust Company of Chambersburg	HELOC	0 +2 HELOCs	0%	n/a
Valon Mortgage	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.

Hagerstown 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 Hagerstown, Maryland

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

Types of Mortgage Lenders in Hagerstown, MD

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

Mortgage companies and brokers 110 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 42 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 16 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 79 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 38 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Local lenders based in MD 20 lenders headquartered in Maryland, the closest thing to a mortgage lender near you

Who Lends in Hagerstown, MD

Independent mortgage companies closed 76.9 percent of home loans in Hagerstown, Maryland in 2025, banks 18.6 percent and credit unions 4.5 percent. Lower, LLC was the largest mortgage company, Cnb Bank Inc. the largest bank and State Employees Credit Union of MD the largest credit union. Among lenders headquartered in Maryland, Middletown Valley Bank led with 3 loans.

76.9%

Mortgage companies

18.6%

Banks

4.5%

Credit unions

33%

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 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 Hagerstown, MD

Who is the largest mortgage lender in Hagerstown, MD?

By home loans closed in 2025, Cnb Bank Inc. was the largest mortgage lender in Hagerstown, Maryland with 15 loans, about 2 percent of the market. The largest lender headquartered in Maryland was Middletown Valley Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Hagerstown, Maryland, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 88.9 percent, against a 81.6 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 Hagerstown, MD mortgage lenders offer FHA, VA and USDA loans?

79 lenders closed FHA loans in Hagerstown, Maryland in 2025, led by United Wholesale Mortgage with 27. 38 lenders closed VA loans, led by United Wholesale Mortgage, and 2 closed USDA rural loans. 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 Hagerstown, MD lender list?

Yes. 42 banks and 16 credit unions closed home loans in Hagerstown, Maryland in 2025, alongside 110 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 Hagerstown, MD ranked on this page?

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