Mortgage Lenders and Brokers in St. Michaels, 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
St. Michaels, Maryland mortgage lenders include Shore United Bank, N.A.Shore United Bank, N.A.200 Westgate Circle, Annapolis, MD 21401A5.0 ★Texas Ratio: 9.61%, Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.1004 Beards Hill Rd, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.24%, The Peoples BankThe Peoples Bank5530 Wisconsin Ave, Chevy Chase, MD 20815A+5.0 ★Texas Ratio: 3.39%, 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%, Atlantic Union BankAtlantic Union Bank166 Jennifer Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.51%, BayVanguard BankBayVanguard Bank501 S Stepney Rd, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 2.09%, John Marshall BankJohn Marshall Bank11 N Washington St, Rockville, MD 20850A+5.0 ★Texas Ratio: 0.00%, and Citibank, NACitibank, NA8001 Wisconsin Ave, Bethesda, MD 20814A+5.0 ★Texas Ratio: 2.82%. 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. Michaels, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Michaels 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. Michaels, Maryland
Market share is the lender's share of all home loans closed in St. Michaels, 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 |
|---|---|---|---|---|---|---|
|
200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
Conventional, Jumbo | 15 | 20.5% | 88.2% | $391,666 | View |
|
122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
2.7% | 66.7% | $2,885,000 | View |
|
★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 1 +8 HELOCs |
1.4% | 100% | $1,485,000 | View |
|
5530 Wisconsin Ave, Chevy Chase, MD 20815 A+5.0 ★Texas Ratio: 3.39% |
Conventional | 1 | 1.4% | 100% | $265,000 | View |
|
920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.4% | 100% | $445,000 | View |
|
96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 1 | 1.4% | 100% | $555,000 | View |
|
166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
Conventional, Jumbo | 1 | 1.4% | 100% | $2,305,000 | View |
|
501 S Stepney Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 2.09% |
Conventional | 1 | 1.4% | 100% | $575,000 | View |
|
11 N Washington St, Rockville, MD 20850 A+5.0 ★Texas Ratio: 0.00% |
Conventional, Jumbo | 1 | 1.4% | 100% | $1,005,000 | View |
|
8001 Wisconsin Ave, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 1 | 1.4% | 100% | $2,795,000 | View |
|
810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
★ 1 stars, 1 review 405 Manning Rd E, Accokeek, MD 20607 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
7815 Woodmont Ave, Bethesda, MD 20814 A5.0 ★Texas Ratio: 7.39% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 2.7% | 100% | $745,000 | View |
Nfm, Inc
|
Conventional | 2 | 2.7% | 100% | $420,000 | |
Bay Capital Mortgage Corporation
|
Conventional, FHA | 2 | 2.7% | 100% | $500,000 | |
Universal Mortgage & Finance, Inc
|
Conventional, Jumbo | 1 | 1.4% | 100% | $1,155,000 | |
Rocket Mortgage
|
Conventional | 11 | 15.1% | 100% | $251,363 | |
Nationstar Mortgage
|
Conventional | 3 | 4.1% | 100% | $71,666 | |
Guaranteed Rate, Inc.
|
Conventional, Jumbo | 2 | 2.7% | 100% | $1,190,000 | |
CrossCountry Mortgage, LLC
|
Conventional | 2 | 2.7% | 100% | $305,000 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 2.7% | 100% | $1,770,000 | View |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $385,000 | View |
United Wholesale Mortgage
|
Conventional | 1 | 1.4% | 100% | $375,000 | |
American Financial Resources LLC
|
Conventional | 1 | 1.4% | 100% | $295,000 | |
Gold Star Mortgage Financial Group, Corporation
|
Conventional | 1 | 1.4% | 100% | $645,000 | |
SWBC Mortgage Corporation
|
Conventional | 1 | 1.4% | 100% | $785,000 | |
Pennymac Loan Services LLC
|
Conventional | 1 | 1.4% | 100% | $55,000 | |
Amerisave Mortgage Company
|
Conventional | 1 | 1.4% | 50% | $55,000 | |
Cmg Mortgage Inc
|
Conventional | 1 | 1.4% | 100% | $275,000 | |
Das Acquisition Company, LLC
|
Conventional | 1 | 1.4% | 100% | $385,000 | |
Bank Fund Staff Federal Credit
|
Conventional | 1 | 1.4% | 100% | $295,000 | |
First Heritage Mortgage, LLC
|
Conventional | 1 | 1.4% | 100% | $755,000 | |
Delta Community Credit Union
|
Conventional | 1 | 1.4% | 100% | $475,000 | |
Cardinal Financial Company, Li
|
Conventional | 1 | 1.4% | 100% | $55,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA, Jumbo | 1 | 1.4% | 100% | $995,000 | View |
Ithink Financial Credit Union
|
Conventional | 1 | 1.4% | 100% | $235,000 | |
Saygo Home Loans, LLC
|
VA | 1 | 1.4% | 100% | $525,000 | |
Radius Financial Group Inc
|
Conventional | 1 | 1.4% | 100% | $295,000 | |
Prosperity Home Mortgage, LLC
|
Conventional | 1 | 1.4% | 100% | $425,000 | |
Mutual of Omaha Mortgage
|
Conventional | 1 | 1.4% | 100% | $715,000 | |
Horizon Farm Credit, ACA
|
Conventional | 1 | 1.4% | 100% | $535,000 | |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional, Jumbo | 1 | 1.4% | 100% | $3,005,000 | View |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
C3.9 ★Texas Ratio: 27.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
St. Michaels 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. Michaels, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in St. Michaels? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Michaels in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Michaels, MD
Use these to narrow the list above. Each category shows how many St. Michaels, MD lenders fit and what that kind of lender is usually best for.
Who Lends in St. Michaels, MD
Independent mortgage companies closed 54.8 percent of home loans in St. Michaels, Maryland in 2025, banks 39.7 percent and credit unions 5.5 percent. First Home Mortgage was the largest mortgage company, Shore United Bank, N.A. the largest bank and Tower Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Shore United Bank, N.A. led with 15 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. Michaels, MD
By home loans closed in 2025, Shore United Bank, N.A. was the largest mortgage lender in St. Michaels, Maryland with 15 loans, about 20.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in St. Michaels, Maryland in 2025, led by Bay Capital Mortgage Corporation with 1. 2 lenders closed VA loans, led by Usaa Federal Savings Bank. 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 5 credit unions closed home loans in St. Michaels, Maryland in 2025, alongside 24 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. Michaels, 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. Michaels, 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. Michaels. 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.
