Mortgage Lenders and Brokers in Urbana, 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
Urbana, Maryland mortgage lenders include Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%, M&T BankM&T Bank207 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.11%, State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%, United Bank VaUnited Bank Va1835 West St, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.15%, Wells Fargo Bank NAWells Fargo Bank NA400 Constant Friendship Blvd, Abingdon, MD 21009A+5.0 ★Texas Ratio: 5.36%, Educational Systems FCUEducational Systems FCU2625 Riva Rd Ste C, Annapolis, MD 21401 7375A+5.0 ★Texas Ratio: 3.40%, Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%, Atlantic Union BankAtlantic Union Bank166 Jennifer Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.51%, First National Bank of PAFirst National Bank of PA3 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 1.62%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%. 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 Urbana, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Urbana 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 Urbana, Maryland
Market share is the lender's share of all home loans closed in Urbana, 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, HELOC | 7 +10 HELOCs |
2.9% | 100% | $536,428 | View |
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207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 7 +6 HELOCs |
2.9% | 100% | $509,285 | View |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 4 +1 HELOCs |
1.7% | 100% | $522,500 | |
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1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15% |
Conventional, FHA | 4 | 1.7% | 100% | $637,500 | View |
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400 Constant Friendship Blvd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 1.7% | 100% | $340,000 | View |
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2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
Conventional, HELOC | 3 +6 HELOCs |
1.2% | 100% | $81,666 | View |
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122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +16 HELOCs |
0.8% | 100% | $405,000 | View |
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166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 2 +5 HELOCs |
0.8% | 100% | $400,000 | View |
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3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 2 +2 HELOCs |
0.8% | 100% | $690,000 | View |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.8% | 100% | $450,000 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional | 2 | 0.8% | 66.7% | $535,000 | |
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2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 2 | 0.8% | 66.7% | $545,000 | View |
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8001 Wisconsin Ave, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $925,000 | View |
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2 N Market St, Frederick, MD 21701 A+5.0 ★Texas Ratio: 2.55% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $445,000 | View |
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1041A W PATRICK ST, FREDERICK, MD 21702 3903 A+5.0 ★Texas Ratio: 5.63% |
Conventional | 1 | 0.4% | 100% | $615,000 | View |
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8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
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5 Philadelphia Ct, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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6721 Old National Pike, Boonsboro, MD 21713 A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.4% | 100% | $655,000 | 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 +9 HELOCs |
0% | n/a | View | |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
HELOC | 0 +4 HELOCs |
0% | 0% | ||
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7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lafayette Federal Credit Union
7537 Greenbelt Rd, Greenbelt, MD 20770 3403 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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555 Quince Orchard Rd, Gaithersburg, MD 20878 A+5.0 ★Texas Ratio: 4.60% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Nih Federal Credit Union
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Conventional | 4 | 1.7% | 100% | $255,000 | |
Nfm, Inc
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Conventional, FHA | 3 | 1.2% | 100% | $501,666 | |
Fidelity Direct Mortgage, LLC
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Conventional | 2 | 0.8% | 100% | $460,000 | |
Ivy Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $595,000 | |
The Mortgage Link, Inc.
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FHA | 1 | 0.4% | 100% | $675,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 31 | 12.8% | 93.9% | $423,064 | |
Nvr Mortgage Finance, Inc.
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Conventional | 16 | 6.6% | 100% | $530,625 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 8 +5 HELOCs |
3.3% | 72.7% | $255,000 | View |
United Wholesale Mortgage
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Conventional, FHA | 8 | 3.3% | 80% | $523,750 | |
First Heritage Mortgage, LLC
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Conventional, VA | 6 | 2.5% | 100% | $511,666 | |
Provident Funding Associates
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Conventional | 6 | 2.5% | 100% | $538,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 5 +1 HELOCs |
2.1% | 100% | $485,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 5 | 2.1% | 71.4% | $551,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 2.1% | 71.4% | $243,000 | |
Dart Bank
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Conventional | 4 | 1.7% | 100% | $422,500 | |
Union Home Mortgage Corp.
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Conventional | 4 | 1.7% | 100% | $462,500 | |
Nationstar Mortgage
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Conventional | 4 | 1.7% | 83.3% | $247,500 | |
Envoy Mortgage, Ltd
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Conventional, VA | 3 | 1.2% | 100% | $741,666 | |
PHH Mortgage Corporation
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Conventional | 3 | 1.2% | 100% | $528,333 | |
Cmg Mortgage Inc
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Conventional | 3 | 1.2% | 100% | $505,000 | |
First Savings Mortgage Corporation
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Conventional | 3 | 1.2% | 100% | $618,333 | |
Embrace Home Loans, Inc.
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Conventional | 3 | 1.2% | 100% | $788,333 | |
Vellum Mortgage, Inc.
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Conventional | 3 | 1.2% | 100% | $601,666 | |
Pentagon Federal Credit Union
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Conventional, VA, HELOC | 2 +4 HELOCs |
0.8% | 100% | $560,000 | |
loanDepot.com LLC
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FHA, VA, HELOC | 2 +3 HELOCs |
0.8% | 66.7% | $885,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.8% | 100% | $425,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.8% | 100% | $620,000 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $560,000 | |
Newrez LLC
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Conventional | 2 | 0.8% | 50% | $150,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.8% | 66.7% | $375,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 2 | 0.8% | 100% | $535,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.8% | 40% | $185,000 | |
Nqm Funding, LLC
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Conventional | 2 | 0.8% | 100% | $460,000 | |
New Wave Lending Group Inc
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Conventional | 2 | 0.8% | 100% | $520,000 | |
Bay Equity LLC
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Conventional | 2 | 0.8% | 100% | $335,000 | |
Integrity Home Mortgage Corporation
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Conventional | 2 | 0.8% | 100% | $340,000 | |
Keystone Funding, Inc
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Conventional | 2 | 0.8% | 66.7% | $615,000 | |
Zillow Home Loans, LLC
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Conventional, VA | 2 | 0.8% | 66.7% | $740,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.8% | 100% | $670,000 | |
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A5.0 ★Texas Ratio: 9.21% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 50% | $95,000 | View |
Arc Home LLC
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Conventional | 1 | 0.4% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 50% | $85,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.4% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
VA | 1 | 0.4% | 100% | $505,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $705,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.4% | 100% | $545,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $1,185,000 | |
Loansteady LLC
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Conventional | 1 | 0.4% | 100% | $565,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.4% | 100% | $425,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $685,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $885,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.4% | 100% | $605,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.4% | 100% | $455,000 | |
PFN Lending Group, Inc.
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Conventional | 1 | 0.4% | 100% | $985,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.4% | 100% | $525,000 | |
Bank Fund Staff Federal Credit
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Conventional | 1 | 0.4% | 100% | $755,000 | |
Network Capital Funding Corporation
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Federated Mortgage Corp
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Strong Home Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $505,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $435,000 | |
Weichert Financial Services
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Conventional | 1 | 0.4% | 100% | $535,000 | |
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A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 0.4% | 100% | $515,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $315,000 | |
Mortgage Research Center
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VA | 1 | 0.4% | 50% | $585,000 | |
Digital Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $605,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.4% | 100% | $665,000 | |
TowneBank
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Conventional | 1 | 0.4% | 100% | $255,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.4% | 100% | $475,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.4% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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D3.3 ★Texas Ratio: 35.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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 | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Urbana 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 Urbana, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Urbana? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Urbana in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Urbana, MD
Use these to narrow the list above. Each category shows how many Urbana, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Urbana, MD
Independent mortgage companies closed 70.7 percent of home loans in Urbana, Maryland in 2025, banks 18.2 percent and credit unions 11.2 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 Urbana, MD
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Urbana, Maryland with 7 loans, about 2.9 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.
15 lenders closed FHA loans in Urbana, Maryland in 2025, led by Freedom Mortgage Corporation with 2. 10 lenders closed VA loans, led by Rocket 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. 24 banks and 16 credit unions closed home loans in Urbana, Maryland in 2025, alongside 64 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 Urbana, 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 Urbana, 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 Urbana. 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.
