Mortgage Lenders and Brokers in Middletown, 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
Middletown, Maryland mortgage lenders include Middletown Valley BankMiddletown Valley Bank24 W Main St, Middletown, MD 21769A+5.0 ★Texas Ratio: 1.21%, Truist BankTruist Bank819 E Main St, Middletown, MD 21769A+5.0 ★Texas Ratio: 2.87%, Millennium Financial Group Inc dba MlendMillennium Financial Group Inc dba MlendMiddletown, MD, 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%, Tower Federal Credit UnionTower Federal Credit Union810 Bestgate Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 1.97%, Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%, Fulton Bank, National AssociationFulton Bank, National Association96 Village Sq, Baltimore, MD 21210A+5.0 ★Texas Ratio: 4.85%, and Presidential Bank, FSBPresidential Bank, FSB4520 East West Hwy, Bethesda, MD 20814A-4.9 ★Texas Ratio: 16.48%. 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 Middletown, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Middletown 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 Middletown, Maryland
Market share is the lender's share of all home loans closed in Middletown, 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 Middletown 24 W Main St, Middletown, MD 21769 A+5.0 ★Texas Ratio: 1.21% |
Conventional | 2 | 2.6% | 100% | $230,000 | View |
|
★ 1 stars, 1 review 1 office in Middletown 819 E Main St, Middletown, MD 21769 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Millennium Financial Group Inc dba Mlend
|
Conventional, FHA | 3 | 3.9% | 100% | $371,666 | |
|
207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +2 HELOCs |
1.3% | 100% | $585,000 | View |
|
10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 1 +2 HELOCs |
1.3% | 100% | $975,000 | |
|
810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $505,000 | |
|
122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $545,000 | View |
|
920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.3% | 100% | $375,000 | View |
|
96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 1 | 1.3% | 100% | $825,000 | View |
|
4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 1.3% | 100% | $385,000 | View |
|
8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 1 | 1.3% | 100% | $45,000 | View |
|
3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 1.3% | 100% | $155,000 | View |
|
★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
8870 McGaw Rd, Columbia, MD 21045 A+5.0 ★Texas Ratio: 2.79% |
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 | |
The Mortgage Link, Inc.
|
Conventional | 2 | 2.6% | 100% | $520,000 | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.3% | 100% | $635,000 | View |
Nfm, Inc
|
Conventional | 1 | 1.3% | 100% | $555,000 | |
Bay Capital Mortgage Corporation
|
Conventional | 1 | 1.3% | 100% | $605,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 14 | 18.4% | 100% | $281,428 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +4 HELOCs |
6.6% | 100% | $277,000 | View |
Newrez LLC
|
Conventional | 3 | 3.9% | 80% | $178,333 | |
United Wholesale Mortgage
|
Conventional, VA | 2 | 2.6% | 66.7% | $500,000 | |
Cmg Mortgage Inc
|
Conventional, VA | 2 | 2.6% | 100% | $920,000 | |
First Heritage Mortgage, LLC
|
Conventional | 2 | 2.6% | 100% | $290,000 | |
T2 Financial LLC
|
Conventional, VA | 2 | 2.6% | 100% | $500,000 | |
Vellum Mortgage, Inc.
|
Conventional, FHA | 2 | 2.6% | 100% | $505,000 | |
Mortgage Research Center
|
VA | 2 | 2.6% | 66.7% | $675,000 | |
Spring Eq, LLC
|
Conventional | 2 | 2.6% | 66.7% | $60,000 | |
Select Lending Services, LLC
|
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $375,000 | |
Hartford Funding, Ltd.
|
Conventional | 1 | 1.3% | 100% | $685,000 | |
Atlantic Coast Mortgage, LLC
|
Conventional | 1 | 1.3% | 100% | $485,000 | |
Freedom Mortgage Corporation
|
VA | 1 | 1.3% | 100% | $635,000 | |
Envoy Mortgage, Ltd
|
VA | 1 | 1.3% | 100% | $575,000 | |
Filo Mortgage, LLC
|
Conventional | 1 | 1.3% | 100% | $615,000 | |
Pennymac Loan Services LLC
|
Conventional | 1 | 1.3% | 50% | $225,000 | |
Amerisave Mortgage Company
|
Conventional | 1 | 1.3% | 100% | $55,000 | |
Guild Mortgage Company
|
Conventional | 1 | 1.3% | 100% | $725,000 | |
Bay Equity LLC
|
Conventional | 1 | 1.3% | 100% | $325,000 | |
Southern Trust Mortgage, LLC
|
VA, Jumbo | 1 | 1.3% | 100% | $1,995,000 | |
Embrace Home Loans, Inc.
|
Conventional | 1 | 1.3% | 100% | $445,000 | |
Waterstone Mortgage Corporation
|
Conventional | 1 | 1.3% | 100% | $405,000 | |
Integrity Home Mortgage Corporation
|
Conventional | 1 | 1.3% | 100% | $355,000 | |
Nations Direct Mortgage, LLC
|
Conventional | 1 | 1.3% | 100% | $465,000 | |
TowneBank
|
Conventional | 1 | 1.3% | 100% | $425,000 | |
New American Funding, LLC.
|
Conventional | 1 | 1.3% | 100% | $55,000 | |
Fairway Independent Mort Corp
|
FHA | 1 | 1.3% | 100% | $345,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.3% | 100% | $95,000 | View |
Carrington Mortgage Services LLC
|
Conventional | 1 | 1.3% | 100% | $145,000 | |
|
A+5.0 ★Texas Ratio: 1.57% |
Conventional | 1 | 1.3% | 100% | $605,000 | View |
Franklin Mint Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A5.0 ★Texas Ratio: 9.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Bank and Trust Company
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Middletown 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 Middletown, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Middletown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Middletown in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Middletown, MD
Use these to narrow the list above. Each category shows how many Middletown, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Middletown, MD
Independent mortgage companies closed 69.7 percent of home loans in Middletown, Maryland in 2025, banks 19.7 percent and credit unions 10.5 percent. The Mortgage Link, Inc. was the largest mortgage company, Middletown Valley Bank the largest bank and State Employees Credit Union of MD the largest credit union. Among lenders headquartered in Maryland, Middletown Valley Bank led with 2 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 Middletown, MD
By home loans closed in 2025, Middletown Valley Bank was the largest mortgage lender in Middletown, Maryland with 2 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Middletown, Maryland in 2025, led by Millennium Financial Group Inc dba Mlend with 1. 9 lenders closed VA loans, led by Rocket 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. 16 banks and 8 credit unions closed home loans in Middletown, Maryland in 2025, alongside 31 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 Middletown, 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 Middletown, 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 Middletown. 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.
