Mortgage Lenders and Brokers in Spring Ridge, 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
Spring Ridge, Maryland mortgage lenders include Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%, 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, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%, M&T BankM&T Bank207 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.11%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.2530 Riva Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 3.87%, Presidential Bank, FSBPresidential Bank, FSB4520 East West Hwy, Bethesda, MD 20814A-4.9 ★Texas Ratio: 16.48%, Atlantic Union BankAtlantic Union Bank166 Jennifer Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.51%, Securityplus FCUSecurityplus FCU7135 Windsor Blvd, Baltimore, MD 21244A5.0 ★Texas Ratio: 9.19%, and Andrews Federal Credit UnionAndrews Federal Credit Union1677 D St, JB Andrews, MD 20762A5.0 ★Texas Ratio: 10.28%. 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 Spring Ridge, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spring Ridge 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 Spring Ridge, Maryland
Market share is the lender's share of all home loans closed in Spring Ridge, 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, FHA, Jumbo, HELOC | 8 +5 HELOCs |
5.7% | 88.9% | $826,250 | View |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 4 +5 HELOCs |
2.8% | 100% | $617,500 | |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional, VA | 3 | 2.1% | 100% | $515,000 | |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.4% | 66.7% | $170,000 | View |
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207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +7 HELOCs |
0.7% | 100% | $255,000 | View |
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2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $195,000 | View |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.7% | 100% | $545,000 | View |
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166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.7% | 100% | $1,045,000 | View |
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7135 Windsor Blvd, Baltimore, MD 21244 A5.0 ★Texas Ratio: 9.19% |
Conventional | 1 | 0.7% | 100% | $765,000 | View |
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1677 D St, JB Andrews, MD 20762 A5.0 ★Texas Ratio: 10.28% |
Conventional | 1 | 0.7% | 100% | $715,000 | View |
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200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
VA | 1 | 0.7% | 100% | $585,000 | View |
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3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62% |
FHA | 1 | 0.7% | 100% | $855,000 | View |
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122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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2 N Market St, Frederick, MD 21701 A+5.0 ★Texas Ratio: 2.55% |
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% | n/a | View | |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
HELOC | 0 +1 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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8870 McGaw Rd, Columbia, MD 21045 A+5.0 ★Texas Ratio: 2.79% |
HELOC | 0 +1 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 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 3 | 2.1% | 100% | $231,666 | View |
Direct Mortgage Loans, LLC
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Conventional, FHA | 3 | 2.1% | 100% | $301,666 | |
Nfm, Inc
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Conventional | 2 | 1.4% | 100% | $510,000 | |
Bayshore Mortgage Funding
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FHA | 1 | 0.7% | 100% | $295,000 | |
Bay Capital Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $235,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 11 | 7.8% | 100% | $822,272 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 9 +3 HELOCs |
6.4% | 81.8% | $466,111 | View |
Rocket Mortgage
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Conventional, FHA | 9 | 6.4% | 100% | $158,333 | |
United Wholesale Mortgage
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Conventional, VA, HELOC | 5 +1 HELOCs |
3.5% | 100% | $717,000 | |
TowneBank
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Conventional | 5 | 3.5% | 100% | $801,000 | |
CrossCountry Mortgage, LLC
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Conventional, USDA | 4 | 2.8% | 100% | $392,500 | |
Envoy Mortgage, Ltd
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Conventional, FHA | 3 | 2.1% | 75% | $505,000 | |
loanDepot.com LLC
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Conventional, FHA, VA | 3 | 2.1% | 100% | $395,000 | |
Guild Mortgage Company
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Conventional | 3 | 2.1% | 100% | $561,666 | |
First Heritage Mortgage, LLC
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Conventional, FHA | 3 | 2.1% | 100% | $388,333 | |
Prosperity Home Mortgage, LLC
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Conventional, USDA | 3 | 2.1% | 75% | $278,333 | |
Atlantic Coast Mortgage, LLC
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Conventional | 2 | 1.4% | 100% | $655,000 | |
SWBC Mortgage Corporation
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Conventional | 2 | 1.4% | 100% | $300,000 | |
Newrez LLC
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Conventional, VA | 2 | 1.4% | 100% | $185,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.4% | 28.6% | $195,000 | |
Cmg Mortgage Inc
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Conventional | 2 | 1.4% | 100% | $515,000 | |
Bay Equity LLC
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Conventional | 2 | 1.4% | 100% | $390,000 | |
Vellum Mortgage, Inc.
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Conventional, FHA | 2 | 1.4% | 100% | $345,000 | |
Integrity Home Mortgage Corporation
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Conventional | 2 | 1.4% | 100% | $475,000 | |
Mortgage Research Center
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VA | 2 | 1.4% | 100% | $585,000 | |
Nations Direct Mortgage, LLC
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Conventional | 2 | 1.4% | 100% | $825,000 | |
New American Funding, LLC.
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Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $215,000 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.7% | 100% | $395,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.7% | 100% | $455,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.7% | 100% | $595,000 | |
Freedom Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $1,055,000 | |
MDE Home Loans LLC
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FHA | 1 | 0.7% | 100% | $855,000 | |
Kind Lending, LLC
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VA | 1 | 0.7% | 100% | $505,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.7% | 100% | $1,045,000 | View |
AmWest Funding Corp
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Conventional | 1 | 0.7% | 100% | $245,000 | |
First Alliance Home Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $385,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.7% | 100% | $405,000 | |
Federated Mortgage Corp
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Conventional | 1 | 0.7% | 100% | $385,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.7% | 100% | $375,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.7% | 100% | $225,000 | |
New Day Financial, LLC.
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VA | 1 | 0.7% | 50% | $495,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.7% | 100% | $345,000 | View |
Servis One, Inc
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Conventional | 1 | 0.7% | 100% | $395,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.7% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.7% | 100% | $435,000 | View |
Nations Lending Corporation
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VA | 1 | 0.7% | 100% | $525,000 | |
T2 Financial LLC
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Conventional | 1 | 0.7% | 100% | $285,000 | |
Nvr Mortgage Finance, Inc.
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Conventional | 1 | 0.7% | 100% | $695,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 1 | 0.7% | 100% | $415,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.7% | 50% | $95,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $155,000 | |
United Nations Federal CU
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Conventional | 1 | 0.7% | 100% | $795,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.7% | 100% | $435,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.7% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A5.0 ★Texas Ratio: 6.31% |
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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A5.0 ★Texas Ratio: 9.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Northrop Grumman Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Spring Ridge 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 Spring Ridge, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Spring Ridge? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spring Ridge in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spring Ridge, MD
Use these to narrow the list above. Each category shows how many Spring Ridge, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Spring Ridge, MD
Independent mortgage companies closed 70.9 percent of home loans in Spring Ridge, Maryland in 2025, banks 17.7 percent and credit unions 11.3 percent. Lower, LLC was the largest mortgage company, Truist Bank the largest bank and State Employees Credit Union of MD the largest credit union. Among lenders headquartered in Maryland, State Employees Credit Union of MD 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 Spring Ridge, MD
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Spring Ridge, Maryland with 8 loans, about 5.7 percent of the market. The largest lender headquartered in Maryland was State Employees Credit Union of MD with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Spring Ridge, Maryland in 2025, led by Truist Bank with 1. 11 lenders closed VA loans, led by Lower, LLC, and 2 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. 18 banks and 12 credit unions closed home loans in Spring Ridge, Maryland in 2025, alongside 49 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 Spring Ridge, 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 Spring Ridge, 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 Spring Ridge. 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.
