Mortgage Lenders and Brokers in Shady Side, 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
Shady Side, Maryland mortgage lenders include Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%, Shore United Bank, N.A.Shore United Bank, N.A.200 Westgate Circle, Annapolis, MD 21401A5.0 ★Texas Ratio: 9.61%, Rosedale BankRosedale Bank3111 Emmorton Rd, Abingdon, MD 21009A+5.0 ★Texas Ratio: 1.98%, Presidential Bank, FSBPresidential Bank, FSB4520 East West Hwy, Bethesda, MD 20814A-4.9 ★Texas Ratio: 16.48%, First Financial of Maryland Federal Credit UnionFirst Financial of Maryland Federal Credit Union8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028A+5.0 ★Texas Ratio: 2.01%, Wells Fargo Bank NAWells Fargo Bank NA400 Constant Friendship Blvd, Abingdon, MD 21009A+5.0 ★Texas Ratio: 5.36%, State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%, Atlantic Union BankAtlantic Union Bank166 Jennifer Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.51%, Capital Bank, N.A.Capital Bank, N.A.6711 Columbia Gateway Dr, Columbia, MD 21046A-5.0 ★Texas Ratio: 15.49%, and Lower, LLCLower, LLC810 Bestgate Rd, Annapolis, MD 21401. 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 Shady Side, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Shady Side 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 Shady Side, Maryland
Market share is the lender's share of all home loans closed in Shady Side, 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, USDA, HELOC | 4 +3 HELOCs |
2.6% | 100% | $337,500 | View |
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200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
Conventional, FHA, Jumbo | 4 | 2.6% | 66.7% | $760,000 | View |
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3111 Emmorton Rd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 1.98% |
Conventional, VA, Jumbo | 3 | 1.9% | 100% | $701,666 | View |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional, VA | 2 | 1.3% | 100% | $265,000 | View |
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8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01% |
Conventional, Jumbo | 2 | 1.3% | 100% | $610,000 | View |
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400 Constant Friendship Blvd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.3% | 100% | $235,000 | View |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 1 +3 HELOCs |
0.6% | 100% | $195,000 | |
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166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.6% | 100% | $805,000 | View |
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6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.6% | 100% | $505,000 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional | 1 | 0.6% | 100% | $135,000 | |
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2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.6% | 100% | $595,000 | View |
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207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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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 +2 HELOCs |
0% | n/a | View | |
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2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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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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122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 11 | 7.1% | 100% | $423,181 | View |
Nfm, Inc
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Conventional, FHA | 3 | 1.9% | 100% | $438,333 | |
My Mortgage, Inc
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Conventional, FHA | 2 | 1.3% | 100% | $450,000 | |
Bay Capital Mortgage Corporation
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Conventional | 2 | 1.3% | 100% | $315,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $265,000 | |
Fidelity Direct Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $545,000 | |
Direct Mortgage Loans, LLC
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Conventional | 1 | 0.6% | 100% | $695,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 15 | 9.6% | 88.9% | $237,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 7 +2 HELOCs |
4.5% | 87.5% | $385,000 | View |
United Wholesale Mortgage
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Conventional, FHA | 7 | 4.5% | 100% | $396,428 | |
TowneBank
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Conventional, FHA, USDA | 7 | 4.5% | 87.5% | $523,571 | |
Pennymac Loan Services LLC
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Conventional, VA, Jumbo | 6 | 3.8% | 100% | $546,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 3.2% | 100% | $307,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 5 | 3.2% | 100% | $503,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 4 | 2.6% | 100% | $477,500 | |
Newrez LLC
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Conventional, FHA, VA | 4 | 2.6% | 57.1% | $190,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 3 | 1.9% | 100% | $431,666 | |
First Savings Mortgage Corporation
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Conventional | 3 | 1.9% | 100% | $345,000 | |
Vellum Mortgage, Inc.
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Conventional, VA | 3 | 1.9% | 100% | $525,000 | |
Waterstone Mortgage Corporation
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Conventional | 3 | 1.9% | 100% | $315,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 3 | 1.9% | 100% | $751,666 | View |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 3 | 1.9% | 100% | $335,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
1.3% | 28.6% | $70,000 | |
EMM Loans LLC
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FHA, VA, Jumbo | 2 | 1.3% | 100% | $830,000 | |
Guaranteed Rate, Inc.
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Conventional, USDA | 2 | 1.3% | 100% | $340,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 1.3% | 66.7% | $345,000 | |
loanDepot.com LLC
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Conventional, Jumbo | 2 | 1.3% | 100% | $580,000 | |
Southern Trust Mortgage, LLC
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VA, USDA | 2 | 1.3% | 100% | $325,000 | |
Mortgage Research Center
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VA | 2 | 1.3% | 66.7% | $415,000 | |
Paramount Residential Mortgage
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Conventional | 2 | 1.3% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $75,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.6% | 100% | $385,000 | View |
First Community Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $535,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 1 | 0.6% | 50% | $975,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,795,000 | View |
Atlantic Coast Mortgage, LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,795,000 | |
Primary Residential Mortgage, INC.
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VA | 1 | 0.6% | 100% | $505,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.6% | 100% | $355,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.6% | 100% | $475,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 50% | $45,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.6% | 100% | $225,000 | |
Total Mortgage Services, LLC
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FHA | 1 | 0.6% | 100% | $305,000 | |
New Day Financial, LLC.
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VA | 1 | 0.6% | 100% | $425,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 100% | $75,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $495,000 | |
1St 2Nd Mortgage Company of N.J., Inc.
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Conventional | 1 | 0.6% | 100% | $225,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.6% | 100% | $605,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
FHA | 1 | 0.6% | 100% | $385,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.6% | 100% | $435,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Nrl Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Shady Side 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 Shady Side, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Shady Side? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Shady Side in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Shady Side, MD
Use these to narrow the list above. Each category shows how many Shady Side, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Shady Side, MD
Independent mortgage companies closed 71.2 percent of home loans in Shady Side, Maryland in 2025, banks 22.4 percent and credit unions 6.4 percent. Lower, LLC was the largest mortgage company, Truist Bank 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 4 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 Shady Side, MD
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Shady Side, Maryland with 4 loans, about 2.6 percent of the market. The largest lender headquartered in Maryland was Shore United Bank, N.A. with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Shady Side, Maryland in 2025, led by First Home Mortgage with 4. 18 lenders closed VA loans, led by Rocket Mortgage, and 4 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.
Yes. 20 banks and 7 credit unions closed home loans in Shady Side, Maryland in 2025, alongside 43 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 Shady Side, 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 Shady Side, 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 Shady Side. 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.
