Mortgage Lenders and Brokers in St. James, 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
St. James, Maryland mortgage lenders include State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%, Presidential Bank, FSBPresidential Bank, FSB4520 East West Hwy, Bethesda, MD 20814A-4.9 ★Texas Ratio: 16.48%, Cnb Bank Inc.Cnb Bank Inc.1591 Potomac Ave, Hagerstown, MD 21742A+5.0 ★Texas Ratio: 0.74%, M&T BankM&T Bank207 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.11%, 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%, Fulton Bank, National AssociationFulton Bank, National Association96 Village Sq, Baltimore, MD 21210A+5.0 ★Texas Ratio: 4.85%, Tower Federal Credit UnionTower Federal Credit Union810 Bestgate Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 1.97%, Atlantic Union BankAtlantic Union Bank166 Jennifer Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.51%, and Citizens Bank, NACitizens Bank, NA7637 Old Georgetown Rd, Bethesda, MD 20814A+5.0 ★Texas Ratio: 5.44%. 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 St. James, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. James 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 St. James, Maryland
Market share is the lender's share of all home loans closed in St. James, 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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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, FHA, HELOC | 6 +1 HELOCs |
3.8% | 100% | $288,333 | |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional, FHA | 3 | 1.9% | 100% | $338,333 | View |
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1591 Potomac Ave, Hagerstown, MD 21742 A+5.0 ★Texas Ratio: 0.74% |
Conventional | 3 | 1.9% | 100% | $298,333 | View |
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207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 2 +2 HELOCs |
1.3% | 100% | $315,000 | 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 +2 HELOCs |
1.3% | 66.7% | $265,000 | View |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.3% | 100% | $545,000 | View |
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96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $255,000 | View |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $105,000 | |
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166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
FHA, HELOC | 1 +1 HELOCs |
0.6% | 100% | $445,000 | View |
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7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
VA | 1 | 0.6% | 100% | $525,000 | View |
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8640 Ridgelys Choice Dr, Baltimore, MD 21236 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.6% | 100% | $65,000 | View |
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12806 Shank Farm Way, Hagerstown, MD 21742 A+5.0 ★Texas Ratio: 5.69% |
Conventional | 1 | 0.6% | 100% | $175,000 | View |
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19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874 A5.0 ★Texas Ratio: 9.36% |
Conventional | 1 | 0.6% | 100% | $125,000 | View |
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200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
FHA | 1 | 0.6% | 100% | $245,000 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional | 1 | 0.6% | 100% | $635,000 | |
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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 +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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8216 Philadelphia Rd, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Millennium Financial Group Inc dba Mlend
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Conventional, USDA | 3 | 1.9% | 100% | $291,666 | |
Bay Capital Mortgage Corporation
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Conventional, USDA | 3 | 1.9% | 100% | $201,666 | |
Fidelity Direct Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.6% | 100% | $195,000 | View |
Nfm, Inc
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Conventional | 1 | 0.6% | 100% | $325,000 | |
Direct Mortgage Loans, LLC
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Conventional | 1 | 0.6% | 50% | $355,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 22 | 14.1% | 100% | $295,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 13 +1 HELOCs |
8.3% | 82.4% | $427,307 | |
Pennymac Loan Services LLC
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Conventional, FHA | 10 | 6.4% | 90.9% | $159,000 | |
Newrez LLC
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Conventional, VA | 7 | 4.5% | 80% | $340,714 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +1 HELOCs |
2.6% | 66.7% | $302,500 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 4 | 2.6% | 80% | $482,500 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.9% | 60% | $371,666 | |
Integrity Home Mortgage Corporation
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Conventional, VA | 3 | 1.9% | 100% | $505,000 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 1.9% | 100% | $188,333 | |
Mortgage Research Center
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VA | 3 | 1.9% | 66.7% | $421,666 | |
Primelending
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Conventional, VA | 2 | 1.3% | 100% | $215,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 1.3% | 100% | $265,000 | |
Bay Equity LLC
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FHA | 2 | 1.3% | 100% | $375,000 | |
First Heritage Mortgage, LLC
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Conventional, FHA | 2 | 1.3% | 50% | $415,000 | |
T2 Financial LLC
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FHA | 2 | 1.3% | 100% | $340,000 | |
TowneBank
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Conventional | 2 | 1.3% | 100% | $480,000 | |
New American Funding, LLC.
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FHA | 2 | 1.3% | 66.7% | $330,000 | |
Fairway Independent Mort Corp
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Conventional, VA | 2 | 1.3% | 100% | $585,000 | |
Spring Eq, LLC
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Conventional | 2 | 1.3% | 50% | $50,000 | |
Pentagon Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.6% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $375,000 | View |
Southwest Airlines FCU
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Conventional | 1 | 0.6% | 100% | $25,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.6% | 100% | $225,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.6% | 100% | $345,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $275,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.6% | 100% | $255,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.6% | 50% | $265,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.6% | 100% | $275,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $565,000 | |
City Lending Inc.
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FHA | 1 | 0.6% | 100% | $365,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.6% | 100% | $775,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.6% | 100% | $625,000 | |
Select Lending Services, LLC
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VA | 1 | 0.6% | 100% | $465,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $415,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.6% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
FHA | 1 | 0.6% | 100% | $245,000 | View |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.6% | 100% | $375,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.6% | 100% | $365,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.6% | 33.3% | $545,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.6% | 100% | $285,000 | |
Horizon Farm Credit, ACA
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Conventional | 1 | 0.6% | 100% | $215,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.6% | 50% | $675,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.6% | 100% | $195,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.6% | 50% | $455,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.6% | 100% | $295,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.6% | 100% | $385,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $635,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.6% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 9.21% |
HELOC | 0 +5 HELOCs |
0% | 50% | View | |
Langley Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum 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 |
St. James 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 St. James, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in St. James? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. James in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. James, MD
Use these to narrow the list above. Each category shows how many St. James, MD lenders fit and what that kind of lender is usually best for.
Who Lends in St. James, MD
Independent mortgage companies closed 73.1 percent of home loans in St. James, Maryland in 2025, banks 17.3 percent and credit unions 9.6 percent. Lower, LLC was the largest mortgage company, Presidential Bank, FSB 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 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 St. James, MD
By home loans closed in 2025, State Employees Credit Union of MD was the largest mortgage lender in St. James, Maryland with 6 loans, about 3.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in St. James, Maryland in 2025, led by Rocket Mortgage with 5. 18 lenders closed VA loans, led by United Wholesale Mortgage, 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. 19 banks and 11 credit unions closed home loans in St. James, Maryland in 2025, alongside 47 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 St. James, 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 St. James, 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 St. James. 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.
