Mortgage Lenders and Brokers in Jefferson, Maryland
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Jefferson, Maryland mortgage lenders include Middletown Valley BankMiddletown Valley Bank3848 Jefferson Pike, Jefferson, MD 21755A+5.0 ★Texas Ratio: 1.21%, Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%, Educational Systems FCUEducational Systems FCU2625 Riva Rd Ste C, Annapolis, MD 21401 7375A+5.0 ★Texas Ratio: 3.40%, M&T BankM&T Bank207 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.11%, State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%, Shore United Bank, N.A.Shore United Bank, N.A.200 Westgate Circle, Annapolis, MD 21401A5.0 ★Texas Ratio: 9.61%, Atlantic Union BankAtlantic Union Bank166 Jennifer Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.51%, Presidential Bank, FSBPresidential Bank, FSB4520 East West Hwy, Bethesda, MD 20814A-4.9 ★Texas Ratio: 16.48%, Acnb BankAcnb Bank2 N Market St, Frederick, MD 21701A+5.0 ★Texas Ratio: 2.55%, and Lower, LLCLower, LLC810 Bestgate Rd, Annapolis, MD 21401. 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 Jefferson, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Jefferson 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 Jefferson, Maryland
Market share is the lender's share of all home loans closed in Jefferson, 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 |
|---|---|---|---|---|---|---|
|
1 office in Jefferson 3848 Jefferson Pike, Jefferson, MD 21755 A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 3 | 2.5% | 100% | $748,333 | View |
|
★ 1 stars, 1 review 405 Manning Rd E, Accokeek, MD 20607 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +8 HELOCs |
3.3% | 100% | $392,500 | View |
|
2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
Conventional, HELOC | 4 +2 HELOCs |
3.3% | 100% | $455,000 | View |
|
207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 2 +3 HELOCs |
1.6% | 100% | $455,000 | View |
|
10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 2 +1 HELOCs |
1.6% | 100% | $215,000 | |
|
200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
Conventional, VA | 2 | 1.6% | 100% | $330,000 | View |
|
166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $115,000 | View |
|
4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.8% | 100% | $545,000 | View |
|
2 N Market St, Frederick, MD 21701 A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 0.8% | 100% | $865,000 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional | 1 | 0.8% | 100% | $535,000 | |
|
3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.8% | 100% | $1,005,000 | View |
|
40 West Patrick Street, Frederick, MD 21701 A+5.0 ★Texas Ratio: 0.94% |
Conventional | 1 | 0.8% | 100% | $645,000 | View |
|
★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +10 HELOCs |
0% | n/a | View | |
|
122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Direct Mortgage Loans, LLC
|
Conventional | 2 | 1.6% | 100% | $415,000 | |
Millennium Financial Group Inc dba Mlend
|
Conventional | 1 | 0.8% | 100% | $195,000 | |
Nih Federal Credit Union
|
Conventional | 1 | 0.8% | 100% | $425,000 | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.8% | 100% | $225,000 | View |
Nfm, Inc
|
Conventional | 1 | 0.8% | 100% | $615,000 | |
1st Financial, Inc.
|
USDA | 1 | 0.8% | 100% | $255,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 21 | 17.2% | 100% | $260,238 | |
Pennymac Loan Services LLC
|
Conventional | 6 | 4.9% | 85.7% | $253,333 | |
TowneBank
|
Conventional, VA | 5 | 4.1% | 100% | $651,000 | |
Freedom Mortgage Corporation
|
FHA, VA | 4 | 3.3% | 100% | $712,500 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +5 HELOCs |
2.5% | 100% | $481,666 | View |
United Wholesale Mortgage
|
Conventional | 3 | 2.5% | 100% | $351,666 | |
First Savings Mortgage Corporation
|
Conventional, FHA | 3 | 2.5% | 100% | $541,666 | |
Integrity Home Mortgage Corporation
|
Conventional, USDA | 3 | 2.5% | 100% | $285,000 | |
Prosperity Home Mortgage, LLC
|
Conventional, FHA | 3 | 2.5% | 75% | $445,000 | |
Guaranteed Rate, Inc.
|
Conventional | 2 | 1.6% | 66.7% | $360,000 | |
Atlantic Coast Mortgage, LLC
|
Conventional | 2 | 1.6% | 100% | $305,000 | |
SWBC Mortgage Corporation
|
Conventional | 2 | 1.6% | 100% | $545,000 | |
Newrez LLC
|
Conventional | 2 | 1.6% | 66.7% | $65,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 2 | 1.6% | 100% | $480,000 | |
Nationstar Mortgage
|
Conventional | 2 | 1.6% | 100% | $65,000 | |
Mortgage Research Center
|
VA | 2 | 1.6% | 66.7% | $595,000 | |
Tjc Mortgage Inc
|
FHA | 2 | 1.6% | 100% | $350,000 | |
Horizon Farm Credit, ACA
|
Conventional | 2 | 1.6% | 100% | $575,000 | |
Cmg Mortgage Inc
|
Conventional, HELOC | 1 +2 HELOCs |
0.8% | 100% | $1,175,000 | |
loanDepot.com LLC
|
VA, HELOC | 1 +1 HELOCs |
0.8% | 100% | $685,000 | |
|
A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $55,000 | View |
|
A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.8% | 100% | $205,000 | View |
Originpoint, LLC
|
Conventional | 1 | 0.8% | 100% | $545,000 | |
Primelending
|
Conventional | 1 | 0.8% | 100% | $485,000 | |
Primary Residential Mortgage, INC.
|
Conventional | 1 | 0.8% | 100% | $485,000 | |
Loansteady LLC
|
Conventional | 1 | 0.8% | 100% | $485,000 | |
Dart Bank
|
Conventional | 1 | 0.8% | 100% | $365,000 | |
Loanunited.Com, LLC
|
VA | 1 | 0.8% | 100% | $405,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.8% | 100% | $545,000 | |
Total Mortgage Services, LLC
|
VA | 1 | 0.8% | 100% | $615,000 | |
Cardinal Financial Company, Li
|
Conventional | 1 | 0.8% | 100% | $65,000 | |
Embrace Home Loans, Inc.
|
Conventional | 1 | 0.8% | 100% | $805,000 | |
Provident Funding Associates
|
Conventional | 1 | 0.8% | 100% | $585,000 | |
T2 Financial LLC
|
Conventional | 1 | 0.8% | 100% | $365,000 | |
Vellum Mortgage, Inc.
|
FHA | 1 | 0.8% | 100% | $445,000 | |
Pentagon Federal Credit Union
|
Conventional | 1 | 0.8% | 100% | $375,000 | |
|
A5.0 ★Texas Ratio: 9.21% |
Conventional | 1 | 0.8% | 100% | $75,000 | View |
Keystone Funding, Inc
|
Conventional | 1 | 0.8% | 100% | $105,000 | |
Mutual of Omaha Mortgage
|
Conventional | 1 | 0.8% | 50% | $415,000 | |
ClearEdge Lending LLC
|
Conventional | 1 | 0.8% | 100% | $805,000 | |
Plaza Home Mortgage, Inc
|
Conventional | 1 | 0.8% | 100% | $225,000 | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Afl-Cio Ecu
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
B+4.8 ★Texas Ratio: 16.98% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
|
HELOC | 0 +1 HELOCs |
0% | 0% | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Jefferson Mortgage Rate Trends
Daily average mortgage rates for Maryland compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Jefferson, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Jefferson? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Jefferson in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Jefferson, MD
Use these to narrow the list above. Each category shows how many Jefferson, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Jefferson, MD
Independent mortgage companies closed 68.9 percent of home loans in Jefferson, Maryland in 2025, banks 20.5 percent and credit unions 10.7 percent. Lower, LLC was the largest mortgage company, Middletown Valley Bank the largest bank and Educational Systems FCU the largest credit union. Among lenders headquartered in Maryland, Middletown Valley Bank led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Maryland. State transfer tax of 0.5 percent of the price (0.25 percent, paid by the seller, when the buyer is a first time Maryland homebuyer), plus county transfer taxes of 0 to 1.5 percent and county recordation taxes on deeds and mortgages ranging from about $5 to $14 per $1,000, with Montgomery County using tiered rates up to 2.27 percent above $1 million.
More Maryland Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Jefferson, MD
By home loans closed in 2025, Middletown Valley Bank was the largest mortgage lender in Jefferson, Maryland with 3 loans, about 2.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Jefferson, Maryland in 2025, led by Freedom Mortgage Corporation with 2. 9 lenders closed VA loans, led by TowneBank, 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.
Yes. 20 banks and 10 credit unions closed home loans in Jefferson, Maryland in 2025, alongside 41 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Jefferson, 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 Jefferson, 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 Jefferson. 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.
