Mortgage Lenders and Brokers in Westminster, 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
Westminster, Maryland mortgage lenders include Acnb BankAcnb Bank810 Market St, Westminster, MD 21157A+5.0 ★Texas Ratio: 2.55%, PNC Bank N.A.PNC Bank N.A.588 Jermor Ln, Westminster, MD 21157A+5.0 ★Texas Ratio: 4.24%, Wells Fargo Bank NAWells Fargo Bank NA375 N Center St, Westminster, MD 21157A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank747 Baltimore Blvd, Westminster, MD 21157A+5.0 ★Texas Ratio: 2.87%, Farmers and Merchants BankFarmers and Merchants Bank205 Saint Mark Way, Westminster, MD 21158A+5.0 ★Texas Ratio: 2.10%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA142 Englar Rd, Westminster, MD 21157A+5.0 ★Texas Ratio: 3.68%, M&T BankM&T Bank410 Meadow Creek Dr, Westminster, MD 21158A+5.0 ★Texas Ratio: 4.11%, Bank of America NABank of America NA630 Baltimore Blvd, Westminster, MD 21157A+5.0 ★Texas Ratio: 4.14%, First Financial of Maryland Federal Credit UnionFirst Financial of Maryland Federal Credit Union625 Baltimore Blvd Ste H, Westminster, MD 21157 6183A+5.0 ★Texas Ratio: 2.01%, and Point Breeze Credit UnionPoint Breeze Credit Union405 Englar Rd, Westminster, MD 21157 4851A+5.0 ★Texas Ratio: 1.64%. 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 Westminster, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Westminster 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 Westminster, Maryland
Market share is the lender's share of all home loans closed in Westminster, 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 Westminster 810 Market St, Westminster, MD 21157 A+5.0 ★Texas Ratio: 2.55% |
Conventional, HELOC | 8 +3 HELOCs |
1.3% | 100% | $195,000 | View |
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★ 1.7 stars, 3 reviews 2 offices in Westminster 588 Jermor Ln, Westminster, MD 21157 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 7 +35 HELOCs |
1.1% | 100% | $315,000 | View |
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1 office in Westminster 375 N Center St, Westminster, MD 21157 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 5 | 0.8% | 100% | $255,000 | View |
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★ 1 stars, 1 review 2 offices in Westminster 747 Baltimore Blvd, Westminster, MD 21157 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, HELOC | 4 +29 HELOCs |
0.6% | 100% | $362,500 | View |
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2 offices in Westminster 205 Saint Mark Way, Westminster, MD 21158 A+5.0 ★Texas Ratio: 2.10% |
Conventional | 4 | 0.6% | 80% | $262,500 | View |
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1 office in Westminster 142 Englar Rd, Westminster, MD 21157 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.5% | 75% | $468,333 | View |
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2 offices in Westminster 410 Meadow Creek Dr, Westminster, MD 21158 A+5.0 ★Texas Ratio: 4.11% |
FHA, HELOC | 1 +23 HELOCs |
0.2% | 100% | $255,000 | View |
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1 office in Westminster 630 Baltimore Blvd, Westminster, MD 21157 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +16 HELOCs |
0.2% | 100% | $295,000 | View |
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625 Baltimore Blvd Ste H, Westminster, MD 21157 6183 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 33 | 5.2% | 89.2% | $161,969 | View |
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405 Englar Rd, Westminster, MD 21157 4851 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 7 | 1.1% | 100% | $137,857 | View |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
Conventional, HELOC | 6 +7 HELOCs |
1% | 75% | $258,333 | |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 5 +10 HELOCs |
0.8% | 71.4% | $451,000 | |
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3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo, HELOC | 4 +5 HELOCs |
0.6% | 66.7% | $597,500 | View |
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96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional, FHA | 3 | 0.5% | 60% | $315,000 | View |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 3 | 0.5% | 100% | $375,000 | View |
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6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49% |
Conventional, FHA | 3 | 0.5% | 100% | $365,000 | View |
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8870 McGaw Rd, Columbia, MD 21045 A+5.0 ★Texas Ratio: 2.79% |
Conventional, HELOC | 2 +4 HELOCs |
0.3% | 100% | $60,000 | View |
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166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 2 +2 HELOCs |
0.3% | 100% | $520,000 | View |
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7815 Woodmont Ave, Bethesda, MD 20814 A5.0 ★Texas Ratio: 7.39% |
Conventional | 2 | 0.3% | 100% | $380,000 | View |
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1046 Baltimore Blvd, Westminster, MD 21157 A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $565,000 | View |
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2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
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3706 Norrisville Rd, Jarrettsville, MD 21084 A+5.0 ★Texas Ratio: 2.21% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
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1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.2% | 100% | $25,000 | View |
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501 S Stepney Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 2.09% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
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7135 Windsor Blvd, Baltimore, MD 21244 A5.0 ★Texas Ratio: 9.19% |
Conventional | 1 | 0.2% | 100% | $495,000 | View |
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6721 Old National Pike, Boonsboro, MD 21713 A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.2% | 100% | $545,000 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional | 1 | 0.2% | 50% | $385,000 | |
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★ 5 stars, 1 review 2661 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.77% |
Conventional | 1 | 0.2% | 100% | $25,000 | View |
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8216 Philadelphia Rd, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
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7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54% |
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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2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 18 | 2.9% | 100% | $413,333 | View |
Nfm, Inc
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Conventional, VA | 10 | 1.6% | 100% | $445,000 | |
Direct Mortgage Loans, LLC
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Conventional | 9 | 1.4% | 100% | $367,222 | |
Bay Capital Mortgage Corporation
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Conventional, VA | 6 | 1% | 100% | $346,666 | |
Cazle Mortgage, Inc.
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FHA | 1 | 0.2% | 100% | $585,000 | |
Millennium Financial Group Inc dba Mlend
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VA | 1 | 0.2% | 100% | $695,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Fidelity Direct Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $455,000 | |
Universal Mortgage & Finance, Inc
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Bayshore Mortgage Funding
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FHA | 1 | 0.2% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
Library of Congress Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 76 | 12.1% | 82.1% | $262,236 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 32 +1 HELOCs |
5.1% | 89.2% | $375,625 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 18 | 2.9% | 94.7% | $326,111 | |
Newrez LLC
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Conventional, FHA, VA | 16 | 2.5% | 57.1% | $354,375 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 15 +1 HELOCs |
2.4% | 100% | $361,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 14 +8 HELOCs |
2.2% | 77.8% | $191,428 | View |
Pennymac Loan Services LLC
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Conventional, FHA | 14 | 2.2% | 83.3% | $224,285 | |
Freedom Mortgage Corporation
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FHA, VA | 13 | 2.1% | 87.5% | $358,076 | |
TowneBank
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Conventional, FHA, VA | 12 | 1.9% | 92.3% | $280,000 | |
Guild Mortgage Company
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Conventional, FHA, Jumbo | 11 | 1.7% | 100% | $470,454 | |
Nationstar Mortgage
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Conventional, VA | 11 | 1.7% | 91.7% | $155,909 | |
SWBC Mortgage Corporation
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Conventional | 10 | 1.6% | 100% | $357,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 10 | 1.6% | 100% | $345,000 | |
Mortgage Research Center
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VA | 9 | 1.4% | 69.2% | $428,333 | |
Originpoint, LLC
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Conventional, FHA | 8 | 1.3% | 100% | $353,750 | |
Spring Eq, LLC
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Conventional, HELOC | 7 +2 HELOCs |
1.1% | 46.7% | $100,714 | |
Cmg Mortgage Inc
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Conventional, VA | 7 | 1.1% | 100% | $509,285 | |
Fairway Independent Mort Corp
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Conventional, FHA | 6 | 1% | 100% | $355,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, VA | 6 | 1% | 85.7% | $350,000 | View |
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C3.9 ★Texas Ratio: 27.97% |
Conventional, FHA, HELOC | 5 +1 HELOCs |
0.8% | 100% | $381,000 | View |
Embrace Home Loans, Inc.
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Conventional, FHA, Jumbo | 5 | 0.8% | 100% | $471,000 | |
Provident Funding Associates
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Conventional | 5 | 0.8% | 100% | $533,000 | |
Mortgage Equity Partners LLC
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Conventional, FHA | 5 | 0.8% | 100% | $459,000 | |
Radius Financial Group Inc
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Conventional | 5 | 0.8% | 100% | $349,000 | |
Zillow Home Loans, LLC
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Conventional | 5 | 0.8% | 100% | $359,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 5 | 0.8% | 83.3% | $251,000 | |
Guaranteed Rate, Inc.
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Conventional, VA | 4 | 0.6% | 100% | $462,500 | |
Primelending
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Conventional, FHA, VA | 4 | 0.6% | 100% | $290,000 | |
Amerisave Mortgage Company
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Conventional | 4 | 0.6% | 40% | $137,500 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 4 | 0.6% | 100% | $342,500 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 4 | 0.6% | 70% | $297,500 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 3 +2 HELOCs |
0.5% | 75% | $461,666 | |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 3 | 0.5% | 100% | $448,333 | |
Lakeview Loan Servicing, LLC
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Conventional | 3 | 0.5% | 50% | $235,000 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 0.5% | 75% | $245,000 | |
Das Acquisition Company, LLC
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Conventional, FHA | 3 | 0.5% | 100% | $381,666 | |
Credit Union Mortgage Associat
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Conventional | 3 | 0.5% | 100% | $401,666 | |
Bay Equity LLC
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Conventional | 3 | 0.5% | 100% | $248,333 | |
First Heritage Mortgage, LLC
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Conventional | 3 | 0.5% | 100% | $371,666 | |
Vellum Mortgage, Inc.
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Conventional, FHA | 3 | 0.5% | 100% | $328,333 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 3 | 0.5% | 100% | $395,000 | |
Farmers and Merchants Trust Company of Chambersburg
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Conventional, Jumbo | 3 | 0.5% | 42.9% | $918,333 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 3 | 0.5% | 100% | $261,666 | |
EMM Loans LLC
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FHA | 2 | 0.3% | 75% | $520,000 | |
MDE Home Loans LLC
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Conventional | 2 | 0.3% | 100% | $795,000 | |
Loanunited.Com, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $515,000 | |
Filo Mortgage, LLC
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VA | 2 | 0.3% | 100% | $575,000 | |
AdvantageFirst Lending Inc
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Conventional, FHA | 2 | 0.3% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, VA | 2 | 0.3% | 80% | $320,000 | View |
First Alliance Home Mortgage, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $340,000 | |
VanDyk Mortgage Corporation
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FHA, VA | 2 | 0.3% | 100% | $575,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 2 | 0.3% | 100% | $305,000 | View |
Planet Home Lending, LLC
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Conventional, FHA | 2 | 0.3% | 50% | $320,000 | |
Integrity Home Mortgage Corporation
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Conventional, FHA | 2 | 0.3% | 100% | $410,000 | |
Milend, Inc
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FHA | 2 | 0.3% | 66.7% | $485,000 | |
Keystone Funding, Inc
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Conventional, VA | 2 | 0.3% | 100% | $455,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, VA | 2 | 0.3% | 100% | $475,000 | View |
Reliance First Capital, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $210,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 0.3% | 66.7% | $435,000 | |
Village Capital & Investment
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FHA, VA | 2 | 0.3% | 100% | $520,000 | |
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A5.0 ★Texas Ratio: 9.21% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $45,000 | View |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $305,000 | |
Arc Home LLC
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Conventional | 1 | 0.2% | 100% | $505,000 | |
Equity Resources Inc
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Conventional | 1 | 0.2% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 10.07% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
Atlantic Coast Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $675,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
Everett Financial, Inc.
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VA, Jumbo | 1 | 0.2% | 100% | $1,095,000 | |
Go Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $235,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $285,000 | |
MortgageOne, Inc
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Conventional | 1 | 0.2% | 100% | $545,000 | |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $415,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 4.07% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
PHH Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $425,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.2% | 100% | $235,000 | |
City Lending Inc.
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FHA | 1 | 0.2% | 100% | $265,000 | |
Quorum Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $95,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Highlands Residential Mortgage, Ltd.
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FHA | 1 | 0.2% | 100% | $425,000 | |
Weichert Financial Services
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Conventional | 1 | 0.2% | 50% | $385,000 | |
Elements Financial Federal Cre
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.2% | 100% | $595,000 | |
Stg Mortgage Inc
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FHA | 1 | 0.2% | 100% | $575,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 100% | $395,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 33.3% | $525,000 | View |
Atlantic Bay Mortgage Group
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VA | 1 | 0.2% | 100% | $445,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Southern Trust Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Tjc Mortgage Inc
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FHA | 1 | 0.2% | 100% | $425,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.2% | 100% | $325,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 1 | 0.2% | 100% | $525,000 | |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $305,000 | |
New American Funding, LLC.
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FHA | 1 | 0.2% | 50% | $525,000 | |
Horizon Farm Credit, ACA
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Conventional, Jumbo | 1 | 0.2% | 100% | $965,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.2% | 50% | $105,000 | View |
State Departmenet Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 50% | $165,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.2% | 100% | $405,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
Top Flite Financial, Inc.
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FHA | 1 | 0.2% | 100% | $255,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.2% | 100% | $505,000 | |
Figure Lending LLC
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Members 1St FCU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 50% | ||
Langley Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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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 | ||
Service Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Westminster 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 Westminster, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Westminster? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Westminster in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Westminster, MD
Use these to narrow the list above. Each category shows how many Westminster, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Westminster, MD
Independent mortgage companies closed 71.7 percent of home loans in Westminster, Maryland in 2025, banks 15.7 percent and credit unions 12.5 percent. Lower, LLC was the largest mortgage company, Acnb Bank the largest bank and First Financial of Maryland Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Farmers and Merchants Bank 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 Westminster, MD
By home loans closed in 2025, Acnb Bank was the largest mortgage lender in Westminster, Maryland with 8 loans, about 1.3 percent of the market. The largest lender headquartered in Maryland was Farmers and Merchants Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Westminster, Maryland, Rocket Mortgage approved the highest share of completed applications in 2025 at 82.1 percent, against a 85.9 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
54 lenders closed FHA loans in Westminster, Maryland in 2025, led by Rocket Mortgage with 18. 33 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. 41 banks and 23 credit unions closed home loans in Westminster, Maryland in 2025, alongside 99 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 Westminster, 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 Westminster, 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 Westminster. 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.
