Mortgage Lenders and Brokers in Laytonsville, Maryland
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Laytonsville, Maryland mortgage lenders include Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%, M&T BankM&T Bank207 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%, Lower, LLCLower, LLC810 Bestgate Rd, Annapolis, MD 21401, PNC Bank N.A.PNC Bank N.A.1004 Beards Hill Rd, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.24%, Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%, Citizens Bank, NACitizens Bank, NA7637 Old Georgetown Rd, Bethesda, MD 20814A+5.0 ★Texas Ratio: 5.44%, Tower Federal Credit UnionTower Federal Credit Union810 Bestgate Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 1.97%, Presidential Bank, FSBPresidential Bank, FSB4520 East West Hwy, Bethesda, MD 20814A-4.9 ★Texas Ratio: 16.48%, and Ameriserv Financial BankAmeriserv Financial Bank12806 Shank Farm Way, Hagerstown, MD 21742A+5.0 ★Texas Ratio: 5.69%. 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 Laytonsville, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Laytonsville 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 Laytonsville, Maryland
Market share is the lender's share of all home loans closed in Laytonsville, 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 |
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★ 1 stars, 1 review 405 Manning Rd E, Accokeek, MD 20607 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 4 +7 HELOCs |
2.7% | 100% | $595,000 | View |
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207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 4 +5 HELOCs |
2.7% | 80% | $627,500 | View |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 2.7% | 100% | $740,000 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional, VA | 3 | 2.1% | 100% | $735,000 | |
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★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +6 HELOCs |
0.7% | 100% | $485,000 | View |
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122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +5 HELOCs |
0.7% | 100% | $495,000 | View |
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7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +4 HELOCs |
0.7% | 100% | $465,000 | View |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
Conventional, HELOC | 1 +2 HELOCs |
0.7% | 100% | $475,000 | |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.7% | 100% | $885,000 | View |
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12806 Shank Farm Way, Hagerstown, MD 21742 A+5.0 ★Texas Ratio: 5.69% |
Conventional | 1 | 0.7% | 50% | $155,000 | View |
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6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.7% | 100% | $455,000 | View |
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166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +12 HELOCs |
0% | 0% | View | |
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3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
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 | ||
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2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, VA | 5 | 3.4% | 100% | $325,000 | View |
Fidelity Direct Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $535,000 | |
Bayshore Mortgage Funding
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VA | 1 | 0.7% | 100% | $615,000 | |
Direct Mortgage Loans, LLC
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Conventional | 1 | 0.7% | 100% | $305,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 12 | 8.2% | 73.7% | $623,333 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 11 | 7.5% | 86.7% | $788,636 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 6 | 4.1% | 85.7% | $611,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +7 HELOCs |
3.4% | 100% | $501,000 | View |
Better Mortgage Corporation
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Conventional | 5 | 3.4% | 62.5% | $685,000 | |
Freedom Mortgage Corporation
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VA | 4 | 2.7% | 100% | $827,500 | |
Newrez LLC
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Conventional, FHA | 4 | 2.7% | 83.3% | $437,500 | |
First Savings Mortgage Corporation
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Conventional, FHA, VA | 4 | 2.7% | 100% | $667,500 | |
First Heritage Mortgage, LLC
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Conventional, VA | 4 | 2.7% | 100% | $772,500 | |
TowneBank
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Conventional, VA | 4 | 2.7% | 100% | $640,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 3 +1 HELOCs |
2.1% | 100% | $861,666 | |
Guaranteed Rate, Inc.
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Conventional | 3 | 2.1% | 100% | $638,333 | |
Nationstar Mortgage
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Conventional | 3 | 2.1% | 75% | $628,333 | |
Bank Fund Staff Federal Credit
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Conventional, HELOC | 2 +2 HELOCs |
1.4% | 100% | $665,000 | |
Atlantic Coast Mortgage, LLC
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Conventional, VA | 2 | 1.4% | 100% | $690,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 1.4% | 50% | $330,000 | |
Embrace Home Loans, Inc.
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Conventional, FHA | 2 | 1.4% | 100% | $545,000 | |
Provident Funding Associates
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Conventional | 2 | 1.4% | 100% | $540,000 | |
T2 Financial LLC
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Conventional | 2 | 1.4% | 100% | $520,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 1.4% | 100% | $715,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 1.4% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +5 HELOCs |
0.7% | 100% | $75,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 50% | $695,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.7% | 25% | $65,000 | |
Primelending
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Conventional | 1 | 0.7% | 100% | $605,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $635,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $895,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.7% | 100% | $185,000 | |
Home Mortgage Alliance Corp (Hmac)
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FHA | 1 | 0.7% | 100% | $955,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.7% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.7% | 100% | $935,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.7% | 100% | $685,000 | View |
First Alliance Home Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $905,000 | |
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A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.7% | 100% | $825,000 | View |
Aurora Financial, LLC
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Conventional | 1 | 0.7% | 100% | $555,000 | |
Idb Global Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $1,085,000 | |
Southern Trust Mortgage, LLC
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VA | 1 | 0.7% | 100% | $685,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.7% | 100% | $605,000 | View |
Vellum Mortgage, Inc.
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VA | 1 | 0.7% | 100% | $805,000 | |
Agriculture Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $25,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.7% | 50% | $875,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.7% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.7% | 100% | $695,000 | View |
Mortgage Research Center
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VA | 1 | 0.7% | 20% | $1,115,000 | |
Emet Lending Group, Inc.
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Conventional | 1 | 0.7% | 100% | $765,000 | |
Uif Corporation
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Conventional | 1 | 0.7% | 100% | $605,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.7% | 100% | $445,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.7% | 100% | $455,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.7% | 100% | $705,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.7% | 100% | $1,365,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.7% | 100% | $485,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.7% | 100% | $705,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.7% | 100% | $665,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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C3.9 ★Texas Ratio: 27.97% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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HELOC | 0 +2 HELOCs |
0% | 100% | ||
Everence Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Laytonsville 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 Laytonsville, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Laytonsville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Laytonsville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Laytonsville, MD
Use these to narrow the list above. Each category shows how many Laytonsville, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Laytonsville, MD
Independent mortgage companies closed 71.9 percent of home loans in Laytonsville, Maryland in 2025, banks 20.5 percent and credit unions 7.5 percent. Lower, LLC was the largest mortgage company, Truist Bank the largest bank and Tower Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Lower, LLC 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 Laytonsville, MD
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Laytonsville, Maryland with 4 loans, about 2.7 percent of the market. The largest lender headquartered in Maryland was Lower, LLC with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Laytonsville, Maryland in 2025, led by Rocket Mortgage with 1. 16 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.
Yes. 24 banks and 9 credit unions closed home loans in Laytonsville, Maryland in 2025, alongside 46 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 Laytonsville, 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 Laytonsville, 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 Laytonsville. 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.
