Mortgage Lenders and Brokers in Westphalia, 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
Westphalia, Maryland mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%, Citibank, NACitibank, NA8001 Wisconsin Ave, Bethesda, MD 20814A+5.0 ★Texas Ratio: 2.82%, Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%, First National Bank of PAFirst National Bank of PA3 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 1.62%, Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%, Wells Fargo Bank NAWells Fargo Bank NA400 Constant Friendship Blvd, Abingdon, MD 21009A+5.0 ★Texas Ratio: 5.36%, Lower, LLCLower, LLC810 Bestgate Rd, Annapolis, MD 21401, Prince Georges Community FCUPrince Georges Community FCU6985 Muirkirk Meadows Dr, Beltsville, MD 20705A+5.0 ★Texas Ratio: 3.40%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.2530 Riva Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 3.87%, and United Bank VaUnited Bank Va1835 West St, Annapolis, MD 21401A+5.0 ★Texas Ratio: 2.15%. 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 Westphalia, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Westphalia 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 Westphalia, Maryland
Market share is the lender's share of all home loans closed in Westphalia, 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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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 8 | 1.2% | 100% | $507,500 | View |
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8001 Wisconsin Ave, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 7 | 1% | 77.8% | $473,571 | View |
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122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 6 +1 HELOCs |
0.9% | 75% | $445,000 | View |
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3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 5 +1 HELOCs |
0.7% | 71.4% | $529,000 | 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 | 3 +2 HELOCs |
0.4% | 100% | $368,333 | View |
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400 Constant Friendship Blvd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA, VA | 3 | 0.4% | 50% | $308,333 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
FHA | 3 | 0.4% | 75% | $488,333 | |
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6985 Muirkirk Meadows Dr, Beltsville, MD 20705 A+5.0 ★Texas Ratio: 3.40% |
Conventional, HELOC | 2 +3 HELOCs |
0.3% | 100% | $80,000 | View |
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2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87% |
FHA, HELOC | 2 +1 HELOCs |
0.3% | 100% | $495,000 | View |
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1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 2 | 0.3% | 100% | $350,000 | View |
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10001 Willowdale Rd, Lanham, MD 20706 4321 A+5.0 ★Texas Ratio: 4.50% |
Conventional | 2 | 0.3% | 100% | $115,000 | View |
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6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49% |
Conventional, FHA | 2 | 0.3% | 100% | $355,000 | View |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $105,000 | |
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96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $625,000 | View |
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207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
FHA, HELOC | 1 +2 HELOCs |
0.1% | 50% | $265,000 | View |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $675,000 | |
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650 Hungerford Dr, Rockville, MD 20850 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.1% | 100% | $435,000 | View |
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166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
FHA | 1 | 0.1% | 100% | $645,000 | View |
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11200 Rockville Pike, Rockville, MD 20852 A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.1% | 100% | $55,000 | View |
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1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.1% | 100% | $95,000 | View |
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2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
HELOC | 0 +2 HELOCs |
0% | 50% | 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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★ 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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2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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7272 Wisconsin Avenue, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, VA | 19 | 2.8% | 100% | $582,894 | View |
Fidelity Direct Mortgage, LLC
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Conventional, FHA, VA | 8 | 1.2% | 100% | $576,250 | |
Nfm, Inc
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Conventional, FHA | 7 | 1% | 100% | $467,857 | |
Direct Mortgage Loans, LLC
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VA | 1 | 0.1% | 100% | $755,000 | |
Bay Capital Mortgage Corporation
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VA | 1 | 0.1% | 100% | $485,000 | |
The Mortgage Link, Inc.
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FHA | 1 | 0.1% | 100% | $1,005,000 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA | 134 | 20% | 73.2% | $463,880 | |
First Heritage Mortgage, LLC
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Conventional, FHA, VA | 88 | 13.1% | 93.8% | $554,659 | |
Rocket Mortgage
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Conventional, FHA, VA | 39 | 5.8% | 76.4% | $360,128 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 34 +1 HELOCs |
5.1% | 81.8% | $515,882 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 29 +26 HELOCs |
4.3% | 72.1% | $345,344 | View |
Cmg Mortgage Inc
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Conventional, FHA, VA, HELOC | 28 +1 HELOCs |
4.2% | 100% | $441,428 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 22 | 3.3% | 73.5% | $417,727 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 13 | 1.9% | 93.8% | $468,076 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 9 | 1.3% | 90% | $502,777 | |
Newrez LLC
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Conventional, VA | 8 | 1.2% | 50% | $357,500 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 8 | 1.2% | 100% | $470,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 7 +2 HELOCs |
1% | 77.8% | $453,571 | |
Nationstar Mortgage
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Conventional | 7 | 1% | 88.9% | $205,000 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional, FHA | 6 | 0.9% | 100% | $413,333 | View |
Amerisave Mortgage Company
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Conventional, FHA | 6 | 0.9% | 54.5% | $221,666 | |
Guild Mortgage Company
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Conventional, FHA, VA | 6 | 0.9% | 85.7% | $540,000 | |
Village Capital & Investment
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FHA, VA | 6 | 0.9% | 88.9% | $488,333 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 5 | 0.7% | 100% | $545,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 5 | 0.7% | 83.3% | $527,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 5 | 0.7% | 100% | $533,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 4 | 0.6% | 100% | $512,500 | View |
Primary Residential Mortgage, INC.
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Conventional, FHA | 4 | 0.6% | 100% | $210,000 | |
Embrace Home Loans, Inc.
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Conventional, FHA | 4 | 0.6% | 100% | $480,000 | |
Mortgage Research Center
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VA | 4 | 0.6% | 36.4% | $672,500 | |
Prosperity Home Mortgage, LLC
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Conventional, VA | 4 | 0.6% | 100% | $520,000 | |
Kind Lending, LLC
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FHA | 3 | 0.4% | 75% | $671,666 | |
AmeriHome Mortgage Company, LLC
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FHA | 3 | 0.4% | 100% | $521,666 | |
AdvantageFirst Lending Inc
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FHA, VA | 3 | 0.4% | 100% | $455,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +5 HELOCs |
0.3% | 28.6% | $160,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.3% | 100% | $575,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 2 | 0.3% | 50% | $310,000 | View |
American Financial Network, Inc.
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Conventional, VA | 2 | 0.3% | 100% | $560,000 | |
City Lending Inc.
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FHA | 2 | 0.3% | 75% | $450,000 | |
AmWest Funding Corp
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Conventional, FHA | 2 | 0.3% | 100% | $400,000 | |
Sun West Mortgage Company, Inc
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FHA, VA | 2 | 0.3% | 100% | $580,000 | |
Das Acquisition Company, LLC
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FHA | 2 | 0.3% | 100% | $705,000 | |
New Day Financial, LLC.
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VA | 2 | 0.3% | 50% | $540,000 | |
Atlantic Bay Mortgage Group
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Conventional, VA | 2 | 0.3% | 100% | $545,000 | |
Churchill Mortgage Corporation
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FHA, VA | 2 | 0.3% | 100% | $640,000 | |
Vellum Mortgage, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $255,000 | |
Waterstone Mortgage Corporation
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FHA, VA | 2 | 0.3% | 100% | $510,000 | |
Mutual of Omaha Mortgage
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FHA | 2 | 0.3% | 66.7% | $385,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.3% | 100% | $180,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.3% | 66.7% | $95,000 | View |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 0.3% | 100% | $410,000 | |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 0.3% | 15.4% | $310,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.3% | 100% | $355,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 2 | 0.3% | 100% | $430,000 | View |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +3 HELOCs |
0.1% | 16.7% | $105,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $125,000 | View |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +1 HELOCs |
0.1% | 100% | $685,000 | |
EMM Loans LLC
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VA | 1 | 0.1% | 100% | $555,000 | |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.1% | 100% | $535,000 | |
Atlantic Coast Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $485,000 | |
Goodleap, LLC
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VA | 1 | 0.1% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 4.93% |
Conventional | 1 | 0.1% | 100% | $815,000 | View |
Skyone Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 33.3% | $535,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.1% | 100% | $735,000 | |
Kinecta Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $55,000 | |
Reliant Home Funding, Inc
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Conventional | 1 | 0.1% | 100% | $615,000 | |
Directions Equity, LLC
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VA | 1 | 0.1% | 100% | $515,000 | |
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B-4.4 ★Texas Ratio: 22.15% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
Valley West Corporation
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VA | 1 | 0.1% | 100% | $555,000 | |
PFN Lending Group, Inc.
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Conventional | 1 | 0.1% | 100% | $385,000 | |
Success Mortgage Partners, Inc
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FHA | 1 | 0.1% | 100% | $405,000 | |
AAFMAA Mortgage Services LLC
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VA | 1 | 0.1% | 100% | $475,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Intercoastal Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $295,000 | |
First Savings Mortgage Corporation
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Conventional | 1 | 0.1% | 50% | $755,000 | |
Bank Fund Staff Federal Credit
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Conventional | 1 | 0.1% | 100% | $375,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $415,000 | |
Bay Equity LLC
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FHA | 1 | 0.1% | 100% | $345,000 | |
Strong Home Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $515,000 | |
Geneva Financial LLC
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FHA | 1 | 0.1% | 100% | $415,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.1% | 100% | $445,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.1% | 33.3% | $745,000 | View |
Transportation Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Intelliloan, Inc.
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FHA | 1 | 0.1% | 100% | $475,000 | |
T2 Financial LLC
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VA | 1 | 0.1% | 50% | $475,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 0.1% | 100% | $365,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.1% | 100% | $1,175,000 | |
Mortgage Solutions of Colorado
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FHA | 1 | 0.1% | 100% | $455,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.1% | 100% | $435,000 | |
TowneBank
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VA | 1 | 0.1% | 100% | $485,000 | |
Zillow Home Loans, LLC
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VA | 1 | 0.1% | 50% | $495,000 | |
The Loan Store, Inc
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VA | 1 | 0.1% | 100% | $435,000 | |
Nationwide Mortgage Bankers, Inc.
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VA | 1 | 0.1% | 100% | $585,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Mld Mortgage, Inc.Dba the Money Store
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FHA | 1 | 0.1% | 100% | $455,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $495,000 | View |
21St Mortgage
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Conventional | 1 | 0.1% | 10% | $105,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.1% | 100% | $185,000 | |
Top Flite Financial, Inc.
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Conventional | 1 | 0.1% | 100% | $285,000 | |
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Sun East Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.99% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Westphalia 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 Westphalia, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Westphalia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Westphalia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Westphalia, MD
Use these to narrow the list above. Each category shows how many Westphalia, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Westphalia, MD
Independent mortgage companies closed 83.7 percent of home loans in Westphalia, Maryland in 2025, banks 10 percent and credit unions 6.3 percent. Lower, LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Prince Georges Community 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 Westphalia, MD
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Westphalia, Maryland with 8 loans, about 1.2 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.
Among lenders with meaningful volume in Westphalia, Maryland, First Heritage Mortgage, LLC approved the highest share of completed applications in 2025 at 93.8 percent, against a 79.4 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.
60 lenders closed FHA loans in Westphalia, Maryland in 2025, led by Nvr Mortgage Finance, Inc. with 73. 46 lenders closed VA loans, led by Nvr Mortgage Finance, Inc.. 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. 30 banks and 16 credit unions closed home loans in Westphalia, Maryland in 2025, alongside 85 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 Westphalia, 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 Westphalia, 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 Westphalia. 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.
