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Mortgage Lenders and Brokers in Severn, Maryland

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Severn, Maryland mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA7846 Quarterfield Rd, Severn, MD 21144A+5.0 ★Texas Ratio: 5.36%, Tower Federal Credit UnionTower Federal Credit Union810 Bestgate Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 1.97%, Shore United Bank, N.A.Shore United Bank, N.A.200 Westgate Circle, Annapolis, MD 21401A5.0 ★Texas Ratio: 9.61%, M&T BankM&T Bank207 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.11%, First National Bank of PAFirst National Bank of PA3 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 1.62%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%, Woori America BankWoori America Bank10035 Baltimore National Pike, Ellicott City, MD 21042A5.0 ★Texas Ratio: 11.01%, State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%, Lower, LLCLower, LLC810 Bestgate Rd, Annapolis, MD 21401, and Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%. 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 Severn, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Severn 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 Severn, Maryland

Market share is the lender's share of all home loans closed in Severn, 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
Wells Fargo Bank NA 1 office in Severn 7846 Quarterfield Rd, Severn, MD 21144 A+5.0 ★Texas Ratio: 5.36%	Conventional	2	0.2%	66.7%	$265,000	View
Tower Federal Credit Union 810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97%	Conventional, HELOC	14 +28 HELOCs	1.7%	63.6%	$173,571
Shore United Bank, N.A. 200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61%	Conventional, VA	8	1%	90%	$413,750	View
M&T Bank 207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11%	Conventional, VA, HELOC	7 +13 HELOCs	0.9%	100%	$416,428	View
First National Bank of PA 3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	7 +4 HELOCs	0.9%	100%	$435,000	View
JPMorgan Chase Bank, NA 920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68%	Conventional	7	0.9%	70%	$393,571	View
Woori America Bank 10035 Baltimore National Pike, Ellicott City, MD 21042 A5.0 ★Texas Ratio: 11.01%	Conventional	7	0.9%	100%	$362,142	View
State Employees Credit Union of MD 10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00%	Conventional, HELOC	6 +17 HELOCs	0.7%	100%	$471,666
Lower, LLC 810 Bestgate Rd, Annapolis, MD 21401	Conventional, HELOC	5 +1 HELOCs	0.6%	100%	$445,000
Truist Bank ★ 1 stars, 1 review 405 Manning Rd E, Accokeek, MD 20607 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, HELOC	4 +17 HELOCs	0.5%	100%	$330,000	View
TD Bank 2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71%	Conventional	4	0.5%	100%	$472,500	View
Bank of America NA 122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	3 +8 HELOCs	0.4%	100%	$348,333	View
Fulton Bank, National Association 96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85%	Conventional, HELOC	3 +2 HELOCs	0.4%	100%	$701,666	View
Atlantic Union Bank 166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51%	Conventional, FHA, HELOC	3 +2 HELOCs	0.4%	75%	$315,000	View
Rosedale Bank 3111 Emmorton Rd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 1.98%	Conventional, FHA, VA	3	0.4%	100%	$585,000	View
APL Federal Credit Union 8870 McGaw Rd, Columbia, MD 21045 A+5.0 ★Texas Ratio: 2.79%	Conventional, HELOC	2 +2 HELOCs	0.2%	100%	$85,000	View
Wesbanco Bank, Inc. 2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$345,000	View
Educational Systems FCU 2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$245,000	View
Presidential Bank, FSB 4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48%	Conventional	2	0.2%	100%	$455,000	View
Johns Hopkins FCU 1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732 A+5.0 ★Texas Ratio: 2.64%	Conventional	2	0.2%	100%	$70,000	View
First Ciitizens Bank and Trust 890 Bestgate Rd, Annapolis, MD 21401 A5.0 ★Texas Ratio: 7.72%	Conventional	2	0.2%	100%	$550,000	View
Point Breeze Credit Union 5 Philadelphia Ct, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 1.64%	Conventional	2	0.2%	100%	$400,000	View
Aberdeen Proving Ground FCU 996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733 A+5.0 ★Texas Ratio: 4.35%	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$125,000	View
United Bank Va 1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$585,000	View
Nymeo Federal Credit Union 1041A W PATRICK ST, FREDERICK, MD 21702 3903 A+5.0 ★Texas Ratio: 5.63%	Conventional	1	0.1%	100%	$165,000	View
Capital Bank, N.A. 6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49%	Conventional	1	0.1%	100%	$395,000	View
First Financial of Maryland Federal Credit Union 8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01%	Conventional	1	0.1%	100%	$75,000	View
Andrews Federal Credit Union 1677 D St, JB Andrews, MD 20762 A5.0 ★Texas Ratio: 10.28%	Conventional	1	0.1%	100%	$55,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +12 HELOCs	0%	0%		View
Citizens Bank, NA 7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +5 HELOCs	0%	n/a		View
Prince Georges Community FCU 6985 Muirkirk Meadows Dr, Beltsville, MD 20705 A+5.0 ★Texas Ratio: 3.40%	HELOC	0 +2 HELOCs	0%	n/a		View
Nasa Federal Credit Union 2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +2 HELOCs	0%	0%		View
Pinnacle Bank 7272 Wisconsin Avenue, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 3.04%	HELOC	0 +1 HELOCs	0%	n/a		View
Nfm, Inc	Conventional, FHA, VA	30	3.7%	100%	$487,000
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	29	3.5%	96.7%	$449,827	View
Bay Capital Mortgage Corporation	Conventional, FHA, VA	8	1%	100%	$458,750
Direct Mortgage Loans, LLC	Conventional, FHA, VA	7	0.9%	100%	$512,142
Municipal Employees Credit Union A5.0 ★Texas Ratio: 7.57%	Conventional	2	0.2%	66.7%	$570,000	View
Fidelity Direct Mortgage, LLC	Conventional	1	0.1%	100%	$505,000
Universal Mortgage & Finance, Inc	Conventional	1	0.1%	100%	$475,000
My Mortgage, Inc	VA	1	0.1%	100%	$605,000
Library of Congress Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo	81	9.9%	80.4%	$354,012
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	63 +2 HELOCs	7.7%	86.8%	$448,650
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	54 +21 HELOCs	6.6%	69.6%	$324,074	View
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	30	3.7%	97.2%	$498,666
Mortgage Research Center	Conventional, VA	23	2.8%	63.9%	$496,739
Pennymac Loan Services LLC	Conventional, FHA, VA	22	2.7%	73.3%	$378,181
Newrez LLC	Conventional, FHA, VA, Jumbo	17	2.1%	77.3%	$525,588
Primary Residential Mortgage, INC.	Conventional, FHA, VA, Jumbo	14	1.7%	100%	$415,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA	13	1.6%	100%	$464,230
Triad Financial Services, Inc.	Conventional	12	1.5%	37.3%	$135,833
loanDepot.com LLC	Conventional, FHA, VA, HELOC	10 +6 HELOCs	1.2%	76.9%	$427,000
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	10 +1 HELOCs	1.2%	100%	$447,000
TowneBank	Conventional, FHA, VA	10	1.2%	100%	$459,000
Cmg Mortgage Inc	Conventional, FHA, USDA, HELOC	9 +1 HELOCs	1.1%	100%	$422,777
Guaranteed Rate Affinity, LLC	Conventional, VA	9	1.1%	100%	$433,888
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	9	1.1%	81.8%	$415,000
Nationstar Mortgage	Conventional, FHA, VA	8	1%	88.9%	$386,250
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	8	1%	88.9%	$220,000	View
Pentagon Federal Credit Union	Conventional, FHA, VA, HELOC	7 +1 HELOCs	0.9%	77.8%	$432,142
Embrace Home Loans, Inc.	Conventional, FHA, VA	7	0.9%	100%	$517,857
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional, FHA, VA, Jumbo	6	0.7%	85.7%	$605,000	View
Bay Equity LLC	Conventional, FHA, VA	6	0.7%	100%	$636,666
Fairway Independent Mort Corp	Conventional, FHA, VA	6	0.7%	100%	$488,333
Originpoint, LLC	Conventional, FHA, VA	5	0.6%	100%	$497,000
Atlantic Coast Mortgage, LLC	Conventional, VA	5	0.6%	100%	$579,000
Equity Prime Mortgage LLC	VA	5	0.6%	100%	$467,000
Carrington Mortgage Services LLC	Conventional, FHA	5	0.6%	44.4%	$193,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	5	0.6%	100%	$259,000	View
Spring Eq, LLC	Conventional, HELOC	4 +6 HELOCs	0.5%	28.6%	$115,000
Amerisave Mortgage Company	Conventional, HELOC	4 +1 HELOCs	0.5%	21.1%	$170,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, VA	4	0.5%	100%	$430,000	View
Nbkc Bank	Conventional, VA	4	0.5%	100%	$365,000
Guild Mortgage Company	Conventional	4	0.5%	100%	$362,500
Sun West Mortgage Company, Inc	Conventional, FHA	4	0.5%	100%	$447,500
New Day Financial, LLC.	VA	4	0.5%	80%	$525,000
Vellum Mortgage, Inc.	Conventional, FHA, VA	4	0.5%	100%	$450,000
Emet Lending Group, Inc.	Conventional	4	0.5%	100%	$322,500
Zillow Home Loans, LLC	Conventional, VA	4	0.5%	100%	$397,500
21St Mortgage	Conventional	4	0.5%	20%	$112,500
Paramount Residential Mortgage	Conventional, FHA	4	0.5%	100%	$455,000
First Community Mortgage, Inc.	Conventional	3	0.4%	100%	$441,666
SWBC Mortgage Corporation	Conventional, FHA	3	0.4%	100%	$451,666
Kind Lending, LLC	Conventional, VA	3	0.4%	60%	$455,000
Loanunited.Com, LLC	FHA	3	0.4%	100%	$481,666
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	3	0.4%	80%	$451,666	View
Cardinal Financial Company, Li	Conventional, FHA	3	0.4%	100%	$508,333
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	3	0.4%	42.9%	$585,000	View
Planet Home Lending, LLC	Conventional, VA	3	0.4%	75%	$431,666
Provident Funding Associates	Conventional	3	0.4%	75%	$488,333
Saygo Home Loans, LLC	Conventional, VA	3	0.4%	100%	$388,333
Mutual of Omaha Mortgage	Conventional, VA	3	0.4%	100%	$481,666
Mld Mortgage, Inc.Dba the Money Store	Conventional, FHA	3	0.4%	100%	$511,666
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	3	0.4%	100%	$468,333	View
Northrop Grumman Federal Credit Union	Conventional, HELOC	2 +4 HELOCs	0.2%	100%	$320,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, VA	2	0.2%	66.7%	$710,000	View
Equity Resources Inc	Conventional, FHA	2	0.2%	100%	$325,000
PHH Mortgage Corporation	Conventional, VA	2	0.2%	100%	$285,000
Filo Mortgage, LLC	Conventional	2	0.2%	100%	$385,000
AdvantageFirst Lending Inc	Conventional, FHA	2	0.2%	100%	$310,000
City Lending Inc.	Conventional	2	0.2%	50%	$500,000
Das Acquisition Company, LLC	VA	2	0.2%	100%	$700,000
Intercoastal Mortgage, LLC	Conventional	2	0.2%	100%	$600,000
First Heritage Mortgage, LLC	Conventional	2	0.2%	100%	$280,000
Mortgage Equity Partners LLC	Conventional, VA	2	0.2%	100%	$435,000
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.2%	100%	$255,000
Better Mortgage Corporation	Conventional, FHA	2	0.2%	66.7%	$565,000
New American Funding, LLC.	Conventional	2	0.2%	50%	$280,000
The Loan Store, Inc	Conventional, FHA	2	0.2%	100%	$440,000
Nmsi, Inc.	Conventional	2	0.2%	100%	$465,000
Village Capital & Investment	VA	2	0.2%	42.9%	$755,000
Quorum Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$75,000
Goodleap, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$585,000
Union Home Mortgage Corp.	FHA, HELOC	1 +1 HELOCs	0.1%	100%	$625,000
Arc Home LLC	Conventional	1	0.1%	100%	$285,000
EMM Loans LLC	FHA	1	0.1%	50%	$735,000
American Financial Resources LLC	FHA	1	0.1%	100%	$535,000
Primelending	Conventional	1	0.1%	100%	$575,000
Lakeview Loan Servicing, LLC	VA	1	0.1%	25%	$415,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	VA	1	0.1%	100%	$665,000	View
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$635,000
Envoy Mortgage, Ltd	VA	1	0.1%	100%	$475,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	VA	1	0.1%	100%	$495,000	View
Guidance Residential, LLC	Conventional	1	0.1%	100%	$445,000
Signature Federal Credit Union	Conventional	1	0.1%	100%	$175,000
Dart Bank	VA	1	0.1%	100%	$655,000
American Financial Network, Inc.	FHA	1	0.1%	50%	$465,000
Instamortgage, Inc	Conventional	1	0.1%	100%	$565,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$635,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$515,000	View
HomeBridge Financial Services, Inc	FHA	1	0.1%	50%	$555,000
First Alliance Home Mortgage, LLC	Conventional	1	0.1%	100%	$395,000
Absolute Home Mortgage	Conventional	1	0.1%	100%	$55,000
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$275,000
Select Lending Services, LLC	Conventional	1	0.1%	100%	$265,000
Credit Human Federal Credit Un	Conventional	1	0.1%	50%	$105,000
ClearPath Lending	VA	1	0.1%	100%	$555,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$335,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$605,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.1%	100%	$355,000
Land Home Financial Services,	FHA	1	0.1%	100%	$565,000
Ony Glo, Inc.	Conventional	1	0.1%	100%	$105,000
Atlantic Bay Mortgage Group	VA	1	0.1%	100%	$405,000
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$505,000
Southern Trust Mortgage, LLC	Conventional	1	0.1%	100%	$135,000
T2 Financial LLC	FHA	1	0.1%	100%	$515,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA, Jumbo	1	0.1%	50%	$955,000	View
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$485,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	33.3%	$605,000
American Pacific Mortgage Corporation	FHA	1	0.1%	50%	$395,000
Tjc Mortgage Inc	FHA	1	0.1%	100%	$425,000
Uif Corporation	Conventional	1	0.1%	50%	$625,000
Park Lane Finance SolutionsLLC	Conventional	1	0.1%	100%	$75,000
Radius Financial Group Inc	Conventional	1	0.1%	100%	$595,000
Keystone Funding, Inc	FHA	1	0.1%	100%	$745,000
HomeSale Mortgage	Conventional	1	0.1%	100%	$345,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	50%	$785,000
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$135,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	11.1%	$65,000
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$215,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$555,000	View
Geneva Financial LLC	VA	1	0.1%	100%	$185,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	33.3%	$335,000
Goprime Mortgage, Inc.	VA	1	0.1%	100%	$545,000
Ark-La-Tex Financial Services LLC	VA	1	0.1%	100%	$505,000
American Neighborhood Mortgage Acceptance Company	FHA	1	0.1%	100%	$365,000
Figure Lending LLC	HELOC	0 +8 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +7 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +6 HELOCs	0%	n/a		View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +4 HELOCs	0%	n/a		View
Members 1St FCU	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 3.99%	HELOC	0 +1 HELOCs	0%	n/a		View
Corning Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Nrl Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Severn Mortgage Rate Trends

Daily average mortgage rates for Maryland compared with the national average, updated every evening.

30-Year Fixed MD Avg

7.259%

▲ 0.075 vs 7 days ago

15-Year Fixed MD Avg

6.805%

▲ 0.055 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Severn, Maryland

Looking for mortgage lenders near me or mortgage brokers near me in Severn? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Severn in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Severn, MD

Use these to narrow the list above. Each category shows how many Severn, MD lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 110 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 42 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 26 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 49 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 59 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 6 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MD 26 lenders headquartered in Maryland, the closest thing to a mortgage lender near you

Who Lends in Severn, MD

Independent mortgage companies closed 72.7 percent of home loans in Severn, Maryland in 2025, banks 14.9 percent and credit unions 12.4 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 14 loans.

72.7%

Mortgage companies

14.9%

Banks

12.4%

Credit unions

11%

FHA loans

29%

VA 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

All Maryland lenders 631 lenders Baltimore 316 lenders Frederick 198 lenders Waldorf 193 lenders Columbia 218 lenders Bowie 190 lenders Ellicott City 184 lenders Glen Burnie 186 lenders Bel Air South 158 lenders Germantown 179 lenders Odenton 173 lenders Pasadena 160 lenders Dundalk 146 lenders

Frequently Asked Questions About Mortgage Lenders in Severn, MD

Who is the largest mortgage lender in Severn, MD?

By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Severn, Maryland with 2 loans, about 0.2 percent of the market. The largest lender headquartered in Maryland was Tower Federal Credit Union with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Severn, MD have the highest approval rates?

Among lenders with meaningful volume in Severn, Maryland, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 86.8 percent, against a 77.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Severn, MD mortgage lenders offer FHA, VA and USDA loans?

49 lenders closed FHA loans in Severn, Maryland in 2025, led by Rocket Mortgage with 9. 59 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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.

Are credit unions and local banks included in this Severn, MD lender list?

Yes. 42 banks and 26 credit unions closed home loans in Severn, Maryland in 2025, alongside 110 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.

How are mortgage lenders in Severn, MD ranked on this page?

Lenders are ranked only by the number of home loans they closed in Severn, 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 Severn, 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 Severn. 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.