Mortgage Lenders and Brokers in Owings Mills, 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
Owings Mills, Maryland mortgage lenders include First National Bank of PAFirst National Bank of PA9231 Lakeside Blvd, Owings Mills, MD 21117A+5.0 ★Texas Ratio: 1.62%, Truist BankTruist Bank10900 Boulevard Cir, Owings Mills, MD 21117A+5.0 ★Texas Ratio: 2.87%, M&T BankM&T Bank9780 Groffs Mill Dr, Owings Mills, MD 21117A+5.0 ★Texas Ratio: 4.11%, Bank of America NABank of America NA10315 Reisterstown Rd, Owings Mills, MD 21117A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA9948 Reisterstown Rd, Owings Mills, MD 21117A+5.0 ★Texas Ratio: 5.36%, Shore United Bank, N.A.Shore United Bank, N.A.9612 Reisterstown Rd, Owings Mills, MD 21117A5.0 ★Texas Ratio: 9.61%, PNC Bank N.A.PNC Bank N.A.101 Painters Mill Rd, Owings Mills, MD 21117A+5.0 ★Texas Ratio: 4.24%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%, First Financial of Maryland Federal Credit UnionFirst Financial of Maryland Federal Credit Union9906 Reisterstown Rd, Owings Mills, MD 21117 3945A+5.0 ★Texas Ratio: 2.01%, and State Employees Credit Union of MDState Employees Credit Union of MD10801 Red Run Blvd, Owings Mills, MD 21117 5140A5.0 ★Texas Ratio: 6.00%. 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 Mills, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Owings Mills 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 Mills, Maryland
Market share is the lender's share of all home loans closed in Owings Mills, 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 Owings Mills 9231 Lakeside Blvd, Owings Mills, MD 21117 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 9 +4 HELOCs |
1.8% | 69.2% | $201,666 | View |
|
★ 1 stars, 1 review 2 offices in Owings Mills 10900 Boulevard Cir, Owings Mills, MD 21117 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 5 +10 HELOCs |
1% | 100% | $521,000 | View |
|
2 offices in Owings Mills 9780 Groffs Mill Dr, Owings Mills, MD 21117 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 3 +8 HELOCs |
0.6% | 100% | $338,333 | View |
|
1 office in Owings Mills 10315 Reisterstown Rd, Owings Mills, MD 21117 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +12 HELOCs |
0.4% | 66.7% | $475,000 | View |
|
1 office in Owings Mills 9948 Reisterstown Rd, Owings Mills, MD 21117 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.4% | 100% | $240,000 | View |
|
1 office in Owings Mills 9612 Reisterstown Rd, Owings Mills, MD 21117 A5.0 ★Texas Ratio: 9.61% |
Conventional | 2 | 0.4% | 100% | $185,000 | View |
|
★ 1.7 stars, 3 reviews 1 office in Owings Mills 101 Painters Mill Rd, Owings Mills, MD 21117 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +12 HELOCs |
0.2% | 33.3% | $345,000 | View |
|
920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 13 | 2.6% | 92.9% | $277,307 | View |
|
9906 Reisterstown Rd, Owings Mills, MD 21117 3945 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 10 | 2% | 73.3% | $102,000 | View |
|
10801 Red Run Blvd, Owings Mills, MD 21117 5140 A5.0 ★Texas Ratio: 6.00% |
Conventional, FHA, VA, HELOC | 8 +22 HELOCs |
1.6% | 100% | $243,750 | |
|
96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional, FHA | 6 | 1.2% | 60% | $320,000 | View |
|
10110 Reisterstown Rd, Owings Mills, MD 21117 3815 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 6 | 1.2% | 100% | $148,333 | View |
|
9207 Lakeside Blvd, Owings Mills, MD 21117 A+5.0 ★Texas Ratio: 1.97% |
Conventional, HELOC | 5 +4 HELOCs |
1% | 62.5% | $163,000 | |
|
60 Painters Mill Rd, Owings Mills, MD 21117 3604 A5.0 ★Texas Ratio: 9.19% |
Conventional | 5 | 1% | 100% | $411,000 | View |
|
166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
Conventional, FHA, HELOC | 4 +3 HELOCs |
0.8% | 100% | $367,500 | View |
Lower, LLC
9207 Lakeside Blvd, Owings Mills, MD 21117 |
Conventional, FHA | 2 | 0.4% | 50% | $415,000 | |
|
8216 Philadelphia Rd, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $385,000 | View |
|
2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $435,000 | View |
|
1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
|
8640 Ridgelys Choice Dr, Baltimore, MD 21236 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
Lafayette Federal Credit Union
7537 Greenbelt Rd, Greenbelt, MD 20770 3403 |
Conventional | 1 | 0.2% | 100% | $395,000 | |
|
2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.2% | 100% | $15,000 | View |
|
7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Direct Mortgage Loans, LLC
|
Conventional, FHA, VA, Jumbo | 15 | 3% | 94.1% | $373,000 | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 12 | 2.4% | 100% | $405,000 | View |
Nfm, Inc
|
Conventional, FHA | 10 | 2% | 100% | $303,000 | |
Bay Capital Mortgage Corporation
|
Conventional, VA | 4 | 0.8% | 80% | $342,500 | |
|
A5.0 ★Texas Ratio: 7.57% |
Conventional | 4 | 0.8% | 100% | $62,500 | View |
Cazle Mortgage, Inc.
|
FHA | 2 | 0.4% | 100% | $420,000 | |
All Credit Considered Mortgage, Inc.
|
Conventional | 2 | 0.4% | 100% | $315,000 | |
Fidelity Direct Mortgage, LLC
|
Conventional, FHA | 2 | 0.4% | 100% | $455,000 | |
My Mortgage, Inc
|
Conventional, FHA | 2 | 0.4% | 100% | $450,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 48 | 9.7% | 84.7% | $294,375 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo | 40 | 8.1% | 75.9% | $384,250 | |
Primary Residential Mortgage, INC.
|
Conventional, FHA | 16 | 3.2% | 100% | $264,375 | |
Pennymac Loan Services LLC
|
Conventional, FHA | 15 | 3% | 85% | $196,333 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 12 +10 HELOCs |
2.4% | 72.2% | $235,833 | View |
Homeamerican Mortgage Corporation
|
Conventional, FHA, VA, Jumbo | 12 | 2.4% | 92.3% | $724,166 | |
Freedom Mortgage Corporation
|
FHA, VA | 10 | 2% | 82.4% | $392,000 | |
Newrez LLC
|
Conventional, FHA | 10 | 2% | 50% | $277,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA | 10 | 2% | 76.9% | $362,000 | |
New American Funding, LLC.
|
Conventional, FHA, VA, HELOC | 9 +1 HELOCs |
1.8% | 100% | $307,222 | |
|
C3.9 ★Texas Ratio: 27.97% |
Conventional, FHA, HELOC | 7 +1 HELOCs |
1.4% | 100% | $347,857 | View |
Federated Mortgage Corp
|
Conventional, FHA | 7 | 1.4% | 100% | $300,714 | |
Churchill Mortgage Corporation
|
Conventional | 7 | 1.4% | 100% | $340,714 | |
Prosperity Home Mortgage, LLC
|
Conventional, FHA | 6 | 1.2% | 100% | $336,666 | |
Equity Prime Mortgage LLC
|
FHA, VA | 5 | 1% | 83.3% | $381,000 | |
Embrace Home Loans, Inc.
|
Conventional, VA | 5 | 1% | 66.7% | $395,000 | |
Mortgage Research Center
|
VA, Jumbo | 5 | 1% | 54.5% | $351,000 | |
Premier Mortgage Resources, LLC
|
Conventional, FHA | 4 | 0.8% | 100% | $247,500 | |
Atlantic Coast Mortgage, LLC
|
FHA | 4 | 0.8% | 83.3% | $427,500 | |
Amerisave Mortgage Company
|
Conventional | 4 | 0.8% | 50% | $57,500 | |
Sun West Mortgage Company, Inc
|
Conventional, FHA | 4 | 0.8% | 100% | $410,000 | |
Nationstar Mortgage
|
Conventional, FHA | 4 | 0.8% | 100% | $195,000 | |
Fairway Independent Mort Corp
|
Conventional, FHA, VA | 4 | 0.8% | 80% | $330,000 | |
Paramount Residential Mortgage
|
Conventional, FHA | 4 | 0.8% | 80% | $355,000 | |
Spring Eq, LLC
|
Conventional, HELOC | 3 +2 HELOCs |
0.6% | 17.4% | $98,333 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 3 | 0.6% | 100% | $451,666 | |
American Financial Resources LLC
|
Conventional, FHA, VA | 3 | 0.6% | 100% | $408,333 | |
Primelending
|
Conventional | 3 | 0.6% | 100% | $211,666 | |
Loanunited.Com, LLC
|
FHA, VA | 3 | 0.6% | 75% | $598,333 | |
Firstrust Savings Bank
|
Conventional | 3 | 0.6% | 75% | $195,000 | |
American Financial Network, Inc.
|
Conventional, FHA | 3 | 0.6% | 75% | $325,000 | |
|
A+5.0 ★Texas Ratio: 5.05% |
Conventional, FHA | 3 | 0.6% | 75% | $221,666 | View |
American Pacific Mortgage Corporation
|
Conventional, FHA | 3 | 0.6% | 100% | $295,000 | |
TowneBank
|
Conventional, FHA | 3 | 0.6% | 100% | $325,000 | |
loanDepot.com LLC
|
Conventional, HELOC | 2 +3 HELOCs |
0.4% | 100% | $475,000 | |
HomeBridge Financial Services, Inc
|
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.4% | 66.7% | $510,000 | |
EMM Loans LLC
|
Conventional, FHA | 2 | 0.4% | 100% | $210,000 | |
Guaranteed Rate, Inc.
|
Conventional, VA | 2 | 0.4% | 40% | $450,000 | |
Guild Mortgage Company
|
FHA | 2 | 0.4% | 50% | $345,000 | |
City Lending Inc.
|
Conventional, FHA | 2 | 0.4% | 100% | $170,000 | |
Cmg Mortgage Inc
|
Conventional, VA | 2 | 0.4% | 50% | $335,000 | |
Credit Union Mortgage Associat
|
Conventional | 2 | 0.4% | 100% | $280,000 | |
American Financing Corporation
|
Conventional, FHA | 2 | 0.4% | 66.7% | $165,000 | |
Bay Equity LLC
|
Conventional | 2 | 0.4% | 100% | $400,000 | |
Milend, Inc
|
FHA | 2 | 0.4% | 100% | $380,000 | |
Zillow Home Loans, LLC
|
Conventional, VA | 2 | 0.4% | 100% | $390,000 | |
The Loan Store, Inc
|
Conventional, FHA | 2 | 0.4% | 60% | $490,000 | |
Nationwide Mortgage Bankers, Inc.
|
Conventional, FHA | 2 | 0.4% | 100% | $365,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.4% | 100% | $265,000 | View |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 0.4% | 66.7% | $155,000 | View |
Mission Loans, LLC
|
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $105,000 | |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $125,000 | View |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
Originpoint, LLC
|
Conventional | 1 | 0.2% | 100% | $445,000 | |
|
A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $745,000 | View |
Cornerstone First Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $375,000 | |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
Gold Star Mortgage Financial Group, Corporation
|
FHA | 1 | 0.2% | 100% | $275,000 | |
SWBC Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $195,000 | |
Nbkc Bank
|
Conventional | 1 | 0.2% | 50% | $145,000 | |
Norwich Commercial Group Inc
|
VA | 1 | 0.2% | 50% | $385,000 | |
AmeriHome Mortgage Company, LLC
|
Conventional | 1 | 0.2% | 100% | $385,000 | |
Movement Mortgage, LLC
|
VA | 1 | 0.2% | 100% | $215,000 | |
PHH Mortgage Corporation
|
FHA | 1 | 0.2% | 100% | $395,000 | |
Dart Bank
|
Conventional | 1 | 0.2% | 100% | $205,000 | |
First Alliance Home Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $265,000 | |
Nation One Mortgage Corporatio
|
Conventional | 1 | 0.2% | 100% | $405,000 | |
Select Lending Services, LLC
|
FHA | 1 | 0.2% | 100% | $405,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.2% | 100% | $195,000 | |
First Heritage Mortgage, LLC
|
FHA | 1 | 0.2% | 100% | $305,000 | |
Congressional Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $65,000 | |
Greenbox Loans
|
Conventional | 1 | 0.2% | 100% | $565,000 | |
|
A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
New Day Financial, LLC.
|
VA | 1 | 0.2% | 50% | $295,000 | |
Servis One, Inc
|
Conventional | 1 | 0.2% | 100% | $255,000 | |
Provident Funding Associates
|
Conventional | 1 | 0.2% | 100% | $585,000 | |
Vellum Mortgage, Inc.
|
FHA | 1 | 0.2% | 100% | $425,000 | |
|
A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.2% | 100% | $645,000 | View |
|
A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
Emet Lending Group, Inc.
|
FHA | 1 | 0.2% | 100% | $385,000 | |
|
A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $735,000 | View |
Pentagon Federal Credit Union
|
FHA | 1 | 0.2% | 25% | $385,000 | |
Keystone Funding, Inc
|
Conventional | 1 | 0.2% | 100% | $355,000 | |
Geo-Corp, Inc.
|
FHA | 1 | 0.2% | 100% | $415,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $315,000 | View |
Carrington Mortgage Services LLC
|
Conventional | 1 | 0.2% | 37.5% | $245,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional | 1 | 0.2% | 100% | $115,000 | |
Village Capital & Investment
|
VA | 1 | 0.2% | 83.3% | $335,000 | |
Figure Lending LLC
|
HELOC | 0 +6 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A5.0 ★Texas Ratio: 8.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Owings Mills 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 Mills, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Owings Mills? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Owings Mills in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Owings Mills, MD
Use these to narrow the list above. Each category shows how many Owings Mills, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Owings Mills, MD
Independent mortgage companies closed 72.9 percent of home loans in Owings Mills, Maryland in 2025, banks 15.6 percent and credit unions 11.5 percent. Lower, LLC was the largest mortgage company, First National Bank of PA the largest bank and First Financial of Maryland Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Shore United Bank, N.A. 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 Owings Mills, MD
By home loans closed in 2025, First National Bank of PA was the largest mortgage lender in Owings Mills, Maryland with 9 loans, about 1.8 percent of the market. The largest lender headquartered in Maryland was Shore United Bank, N.A. with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
52 lenders closed FHA loans in Owings Mills, Maryland in 2025, led by United Wholesale Mortgage with 16. 26 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. 28 banks and 15 credit unions closed home loans in Owings Mills, Maryland in 2025, alongside 83 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 Mills, 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 Mills, 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 Mills. 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.
