Mortgage Lenders and Brokers in Upper Marlboro, 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
Upper Marlboro, Maryland mortgage lenders include M&T BankM&T Bank14700 Main St, Upper Marlboro, MD 20772A+5.0 ★Texas Ratio: 4.11%, Bank of America NABank of America NA10600 Campus Way S, Upper Marlboro, MD 20774A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank24 Watkins Park Dr, Upper Marlboro, MD 20774A+5.0 ★Texas Ratio: 2.87%, Lower, LLCLower, LLC810 Bestgate Rd, Annapolis, MD 21401, Educational Systems FCUEducational Systems FCU2625 Riva Rd Ste C, Annapolis, MD 21401 7375A+5.0 ★Texas Ratio: 3.40%, United Bank VaUnited Bank Va1835 West St, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.15%, 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%, State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%, and 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%. 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 Upper Marlboro, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Upper Marlboro 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 Upper Marlboro, Maryland
Market share is the lender's share of all home loans closed in Upper Marlboro, 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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2 offices in Upper Marlboro 14700 Main St, Upper Marlboro, MD 20772 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2 offices in Upper Marlboro 10600 Campus Way S, Upper Marlboro, MD 20774 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 2 offices in Upper Marlboro 24 Watkins Park Dr, Upper Marlboro, MD 20774 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional, FHA | 3 | 3.4% | 100% | $488,333 | |
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2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
Conventional, HELOC | 2 +1 HELOCs |
2.3% | 100% | $90,000 | View |
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1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 2 | 2.3% | 100% | $365,000 | View |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 2.3% | 100% | $305,000 | View |
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96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 1 | 1.1% | 100% | $605,000 | View |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional | 1 | 1.1% | 100% | $795,000 | |
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8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 1 | 1.1% | 100% | $95,000 | View |
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Unit 7 Osborne Shopping Center, Upper Marlboro, MD 20772 A5.0 ★Texas Ratio: 10.28% |
Conventional | 1 | 1.1% | 100% | $55,000 | View |
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8001 Wisconsin Ave, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 1.1% | 100% | $375,000 | View |
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★ 1.7 stars, 3 reviews 10480 Campus Way S, Upper Marlboro, MD 20774 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | 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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A+5.0 ★Texas Ratio: 0.00% |
FHA | 2 | 2.3% | 100% | $425,000 | View |
Fidelity Direct Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $405,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 18 | 20.7% | 95.2% | $204,444 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 8 +1 HELOCs |
9.2% | 72.7% | $553,750 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 5 +3 HELOCs |
5.7% | 55.6% | $169,000 | View |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 4.6% | 80% | $377,500 | |
Nationstar Mortgage
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Conventional, FHA | 4 | 4.6% | 100% | $135,000 | |
Freedom Mortgage Corporation
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VA | 3 | 3.4% | 80% | $595,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 3.4% | 100% | $331,666 | |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 3.4% | 100% | $845,000 | |
loanDepot.com LLC
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VA | 2 | 2.3% | 100% | $810,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 2 | 2.3% | 100% | $205,000 | View |
Primelending
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Conventional | 1 | 1.1% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 4.93% |
FHA | 1 | 1.1% | 100% | $155,000 | View |
Affordable Mortgage Advisors
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FHA | 1 | 1.1% | 100% | $365,000 | |
Loansteady LLC
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Conventional | 1 | 1.1% | 100% | $295,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.1% | 25% | $165,000 | |
American Financial Network, Inc.
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FHA | 1 | 1.1% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 1.1% | 100% | $725,000 | View |
HomeBridge Financial Services, Inc
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FHA | 1 | 1.1% | 100% | $365,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 1.1% | 100% | $375,000 | |
Waterstone Mortgage Corporation
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FHA | 1 | 1.1% | 50% | $445,000 | |
Emet Lending Group, Inc.
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FHA | 1 | 1.1% | 100% | $575,000 | |
TowneBank
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Conventional | 1 | 1.1% | 100% | $445,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $375,000 | |
New American Funding, LLC.
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FHA | 1 | 1.1% | 100% | $435,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 1.1% | 100% | $765,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 1.1% | 20% | $325,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.1% | 16.7% | $95,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 1.1% | 100% | $525,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Justice Federal Credit Union
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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 | ||
American Heritage 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 |
Upper Marlboro 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 Upper Marlboro, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Upper Marlboro? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Upper Marlboro in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Upper Marlboro, MD
Use these to narrow the list above. Each category shows how many Upper Marlboro, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Upper Marlboro, MD
Independent mortgage companies closed 74.7 percent of home loans in Upper Marlboro, Maryland in 2025, banks 13.8 percent and credit unions 11.5 percent. Lower, LLC was the largest mortgage company, M&T Bank the largest bank and Educational Systems FCU the largest credit union. Among lenders headquartered in Maryland, Lower, LLC led with 3 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 Upper Marlboro, MD
By home loans closed in 2025, M&T Bank was the largest mortgage lender in Upper Marlboro, Maryland with 0 loans, about 0 percent of the market. The largest lender headquartered in Maryland was Lower, LLC with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Upper Marlboro, Maryland in 2025, led by United Wholesale Mortgage with 3. 4 lenders closed VA loans, led by United Wholesale Mortgage. 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. 15 banks and 9 credit unions closed home loans in Upper Marlboro, Maryland in 2025, alongside 26 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 Upper Marlboro, 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 Upper Marlboro, 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 Upper Marlboro. 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.
