Mortgage Lenders and Brokers in Owings, 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
Owings, Maryland mortgage lenders include Tower Federal Credit UnionTower Federal Credit Union810 Bestgate Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 1.97%, Educational Systems FCUEducational Systems FCU2625 Riva Rd Ste C, Annapolis, MD 21401 7375A+5.0 ★Texas Ratio: 3.40%, Wells Fargo Bank NAWells Fargo Bank NA400 Constant Friendship Blvd, Abingdon, MD 21009A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%, Shore United Bank, N.A.Shore United Bank, N.A.200 Westgate Circle, Annapolis, MD 21401A5.0 ★Texas Ratio: 9.61%, Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%, M&T BankM&T Bank207 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.11%, Nasa Federal Credit UnionNasa Federal Credit Union2452 Solomons Island Rd, Annapolis, MD 21401 3709A+5.0 ★Texas Ratio: 3.54%, and Atlantic Union BankAtlantic Union Bank166 Jennifer Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.51%. 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 Owings, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Owings 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 Owings, Maryland
Market share is the lender's share of all home loans closed in Owings, 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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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
Conventional, HELOC | 6 +5 HELOCs |
3.5% | 100% | $248,333 | |
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2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
Conventional, HELOC | 3 +1 HELOCs |
1.7% | 60% | $128,333 | View |
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400 Constant Friendship Blvd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1.7% | 75% | $435,000 | View |
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★ 1 stars, 1 review 405 Manning Rd E, Accokeek, MD 20607 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +11 HELOCs |
1.2% | 100% | $405,000 | View |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.2% | 100% | $235,000 | View |
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200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
Conventional | 2 | 1.2% | 66.7% | $305,000 | View |
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122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +8 HELOCs |
0.6% | 100% | $465,000 | View |
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207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +3 HELOCs |
0.6% | 100% | $225,000 | View |
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2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $85,000 | View |
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166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.6% | 100% | $425,000 | View |
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6985 Muirkirk Meadows Dr, Beltsville, MD 20705 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 1 | 0.6% | 100% | $85,000 | View |
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6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.6% | 100% | $455,000 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional | 1 | 0.6% | 100% | $455,000 | |
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★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
HELOC | 0 +3 HELOCs |
0% | n/a | ||
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7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 15 | 8.7% | 93.8% | $465,666 | View |
Bay Capital Mortgage Corporation
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Conventional, FHA, VA | 4 | 2.3% | 80% | $392,500 | |
Direct Mortgage Loans, LLC
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Conventional, VA | 3 | 1.7% | 100% | $421,666 | |
Universal Mortgage & Finance, Inc
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FHA | 1 | 0.6% | 100% | $535,000 | |
Nfm, Inc
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Conventional | 1 | 0.6% | 100% | $275,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 23 | 13.4% | 92.3% | $477,608 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 8 +10 HELOCs |
4.7% | 100% | $586,250 | View |
United Wholesale Mortgage
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Conventional, VA, HELOC | 8 +2 HELOCs |
4.7% | 100% | $440,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 8 | 4.7% | 100% | $566,250 | |
Pennymac Loan Services LLC
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Conventional, VA | 7 | 4.1% | 63.6% | $287,857 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 5 | 2.9% | 100% | $551,000 | |
TowneBank
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Conventional, FHA, VA | 5 | 2.9% | 100% | $487,000 | |
First Heritage Mortgage, LLC
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VA | 4 | 2.3% | 100% | $702,500 | |
Guild Mortgage Company
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Conventional | 3 | 1.7% | 100% | $571,666 | |
Nationstar Mortgage
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Conventional, FHA, VA | 3 | 1.7% | 100% | $478,333 | |
Primelending
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Conventional | 2 | 1.2% | 100% | $590,000 | |
Lakeview Loan Servicing, LLC
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VA | 2 | 1.2% | 40% | $395,000 | |
Newrez LLC
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VA | 2 | 1.2% | 100% | $595,000 | |
loanDepot.com LLC
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Conventional, VA | 2 | 1.2% | 100% | $590,000 | |
Select Lending Services, LLC
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Conventional, VA | 2 | 1.2% | 100% | $550,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 2 | 1.2% | 100% | $530,000 | View |
Vellum Mortgage, Inc.
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Conventional | 2 | 1.2% | 100% | $390,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 2 | 1.2% | 100% | $720,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, VA | 2 | 1.2% | 100% | $255,000 | View |
Pentagon Federal Credit Union
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VA, HELOC | 1 +5 HELOCs |
0.6% | 100% | $955,000 | |
Mutual of Omaha Mortgage
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $635,000 | |
EMM Loans LLC
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FHA | 1 | 0.6% | 100% | $475,000 | |
Equity Resources Inc
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Conventional | 1 | 0.6% | 100% | $245,000 | |
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C3.9 ★Texas Ratio: 27.97% |
VA | 1 | 0.6% | 100% | $1,145,000 | View |
SWBC Mortgage Corporation
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VA | 1 | 0.6% | 100% | $575,000 | |
Go Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $235,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $495,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.6% | 100% | $965,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.6% | 50% | $415,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
FHA | 1 | 0.6% | 100% | $635,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 0.6% | 100% | $625,000 | |
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A+5.0 ★Texas Ratio: 2.79% |
Conventional | 1 | 0.6% | 50% | $155,000 | View |
Credit Union Mortgage Associat
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Conventional | 1 | 0.6% | 100% | $305,000 | |
First Savings Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $565,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.6% | 100% | $475,000 | |
Bay Equity LLC
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Conventional | 1 | 0.6% | 100% | $605,000 | |
Weichert Financial Services
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Conventional | 1 | 0.6% | 100% | $615,000 | |
Atlantic Bay Mortgage Group
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Conventional | 1 | 0.6% | 100% | $705,000 | |
Southern Trust Mortgage, LLC
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VA | 1 | 0.6% | 100% | $735,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.6% | 100% | $415,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $435,000 | |
Agriculture Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $95,000 | |
Mortgage Research Center
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VA | 1 | 0.6% | 33.3% | $675,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $845,000 | |
State Departmenet Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $565,000 | |
United Nations Federal CU
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Conventional | 1 | 0.6% | 100% | $335,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.6% | 100% | $855,000 | View |
21St Mortgage
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Conventional | 1 | 0.6% | 100% | $55,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.6% | 100% | $405,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.6% | 100% | $375,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Liberty Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.99% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Bank Fund Staff Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Transportation Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Wings Financial Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Ussfcu
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Owings 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 Owings, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Owings? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Owings in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Owings, MD
Use these to narrow the list above. Each category shows how many Owings, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Owings, MD
Independent mortgage companies closed 69.2 percent of home loans in Owings, Maryland in 2025, banks 16.3 percent and credit unions 14.5 percent. Lower, LLC was the largest mortgage company, Wells Fargo Bank NA the largest bank and Tower Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Tower Federal Credit Union led with 6 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 Owings, MD
By home loans closed in 2025, Tower Federal Credit Union was the largest mortgage lender in Owings, Maryland with 6 loans, about 3.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Owings, Maryland in 2025, led by First Home Mortgage with 2. 27 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. 22 banks and 18 credit unions closed home loans in Owings, Maryland in 2025, alongside 44 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 Owings, 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 Owings, 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 Owings. 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.
