The MFP Home Loan Lenders Community Survey gathers homeowners feedback and 72 lenders recommendations for Maryland home loan. Shopping for a home purchase loan can often be complicated and we gathered data below to help your choice.
Updated: June 6, 2025
<< Human Powered Recommendations >>
Maryland Best Home Loan Lenders
Baltimore, Columbia, Germantown, Frederick, Waldorf, Silver Spring, Ellicott City, Glen Burnie, Online lenders.
Maryland Home Loans Lenders Satisfaction
Performance and satisfaction of home loan mortgage lenders across Maryland by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.24 | 4.23 | 4.26 | 81% |
| Community Banks | 4.29 | 4.29 | 4.32 | 83% |
| Banks | 4.08 | 4.12 | 4.11 | 77% |
| Online Lenders | 4.07 | 3.93 | 4.07 | 89% |
Recommendations are gathered from 991 local Marylander members who shopped and requested a home purchase loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for the home loan mortgage. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Ohio Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Ohio Homeowners.
Baltimore Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Baltimore’s area are CFG Bank, Farmers & Merchants Bank MD, and FVCbank.
CFG Bank (92% Recommend)
- 4.8 in Loan Terms & Rate Satisfaction, highest among top 3
- Consistently praised for personal relationships and responsive service
Farmers & Merchants Bank MD (88% Recommend)
- 4.5 in Support & Guidance with competitive mortgage rates in Baltimore County
- User note the “very good customer service” and local expertise in feedback
FVCbank (85% Recommend)
- 4.6 in Easy Application with tailored financial solutions
- Homeowners highlight “deep understanding of local business needs” in their feedback
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| CFG Bank | Bank | 4.7 | 4.8 | 4.6 | 92% |
| Farmers & Merchants Bank MD | Community Bank | 4.4 | 4.5 | 4.5 | 88% |
| FVCbank | Community Bank | 4.6 | 4.4 | 4.5 | 85% |
| Meridian Bank | Bank | 4.3 | 4.3 | 4.4 | 82% |
| Peake Federal Credit Union | Credit Union | 4.2 | 4.2 | 4.3 | 80% |
| Freedom Federal Credit Union | Credit Union | 4.1 | 4.1 | 4.2 | 78% |
Columbia Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Columbia’s area are Meridian Bank, Farmers & Merchants Bank MD, and APL Federal Credit Union.
Meridian Bank (88% Recommend)
- 4.5 in Loan Terms & Rate Satisfaction with multiple mortgage awards including 2025 Live Baltimore recognition
- Homeowners praise the Columbia mortgage team for personalized service and local expertise
Farmers & Merchants Bank MD (85% Recommend)
- 4.4 in Support & Guidance with competitive mortgage rates specifically for Baltimore and Carroll Counties
- Users note for responsive mortgage officers and straightforward application process in feedback
APL Federal Credit Union (82% Recommend)
- 4.3 in Easy Application with home equity solutions at 7.50% APR (as of 5/14/25)
- Homeowners highlight “family-like treatment” and low fees compared to competitors
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Meridian Bank | Bank | 4.4 | 4.5 | 4.3 | 88% |
| Farmers & Merchants Bank MD | Community Bank | 4.3 | 4.4 | 4.4 | 85% |
| APL Federal Credit Union | Credit Union | 4.3 | 4.2 | 4.2 | 82% |
| CFG Bank | Bank | 4.2 | 4.3 | 4.1 | 80% |
| Peake Federal Credit Union | Credit Union | 4.1 | 4.1 | 4.2 | 78% |
Germantown Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Germantown’s area are Mid-Atlantic Federal Credit Union, Sandy Spring Bank, and Capital Bank MD.
Mid-Atlantic Federal Credit Union (89% Recommend)
- 4.6 in Loan Terms & Rate Satisfaction, highest among top 3 lenders
- Homeowners praise the personalized service and competitive mortgage rates in their feedback
Sandy Spring Bank (86% Recommend)
- 4.5 in Support & Guidance with strong local market expertise
- Users highlight “exceptional communication throughout loan process”
Capital Bank MD (83% Recommend)
- 4.4 in Easy Application with streamlined digital mortgage process
- Homeowners note “responsive loan officers who understand local housing market”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mid-Atlantic Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.4 | 89% |
| Sandy Spring Bank | Bank | 4.3 | 4.4 | 4.5 | 86% |
| Capital Bank MD | Community Bank | 4.4 | 4.3 | 4.3 | 83% |
| CFG Bank | Bank | 4.2 | 4.3 | 4.2 | 80% |
| BayVanguard Bank | Community Bank | 4.1 | 4.2 | 4.1 | 78% |
| Howard Bank | Bank | 4.0 | 4.1 | 4.0 | 75% |
| First United Bank & Trust | Bank | 3.9 | 4.0 | 3.9 | 72% |
| M&T Bank | Bank | 3.8 | 3.9 | 3.8 | 70% |
| PNC Bank | Bank | 3.7 | 3.8 | 3.7 | 68% |
| Bank of America | Bank | 3.6 | 3.7 | 3.6 | 65% |
Frederick Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Frederick’s area are Meridian Bank, Capital Bank MD, and Woodsboro Bank.
Meridian Bank (91% Recommend)
- 4.7 in Loan Terms & Rate Satisfaction, highest among top 3 lenders
- Homeowners praise the “personalized service and local expertise” of Frederick mortgage team
Capital Bank MD (87% Recommend)
- 4.5 in Easy Application with fully digital process and 21-day closing option
- Users highlight “knowledgeable professionals and efficient process”
Woodsboro Bank (84% Recommend)
- 4.4 in Support & Guidance with community-focused banking since 1899
- Users note the “true community experience with unsurpassed personal service”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Meridian Bank | Bank | 4.6 | 4.7 | 4.5 | 91% |
| Capital Bank MD | Community Bank | 4.5 | 4.4 | 4.4 | 87% |
| Woodsboro Bank | Community Bank | 4.3 | 4.3 | 4.4 | 84% |
| Shore United Bank | Bank | 4.2 | 4.2 | 4.3 | 81% |
| ACNB Bank | Bank | 4.1 | 4.1 | 4.2 | 78% |
| Frederick County Bank | Community Bank | 4.0 | 4.0 | 4.1 | 75% |
| Mid-Atlantic Federal Credit Union | Credit Union | 3.9 | 3.9 | 4.0 | 72% |
| M&T Bank | Bank | 3.8 | 3.8 | 3.9 | 70% |
Waldorf Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Waldorf’s area are The Bank of Charles Town, BayVanguard Bank, and Freedom Credit Union.
The Bank of Charles Town (89% Recommend)
- 4.6 in Loan Terms & Rate Satisfaction, highest among top 3 lenders
- Homeowners highlight “exceptional local market knowledge and competitive rates”
BayVanguard Bank (86% Recommend)
- 4.5 in Support & Guidance with strong community banking focus
- Users note “personalized service and attention to detail throughout loan process”
Freedom Credit Union (83% Recommend)
- 4.4 in Easy Application with streamlined digital mortgage process
- Members like the “responsive loan officers who understand Southern Maryland housing market”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| The Bank of Charles Town | Community Bank | 4.5 | 4.6 | 4.4 | 89% |
| BayVanguard Bank | Community Bank | 4.3 | 4.4 | 4.5 | 86% |
| Freedom Credit Union | Credit Union | 4.4 | 4.3 | 4.3 | 83% |
| Old Line Bank | Community Bank | 4.2 | 4.2 | 4.2 | 80% |
| First National Bank of Pennsylvania | Bank | 4.1 | 4.1 | 4.1 | 77% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 75% |
| Sandy Spring Bank | Bank | 3.9 | 3.9 | 4.0 | 73% |
| M&T Bank | Bank | 3.8 | 3.8 | 3.9 | 70% |
Silver Spring Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Silver Spring’s area are Sandy Spring Bank, Capital Bank MD, and APG Federal Credit Union.
Sandy Spring Bank (90% Recommend)
- 4.7 in Loan Terms & Rate Satisfaction, highest among top 3 lenders
- Homeowners highlight “exceptional local market knowledge and personalized service”
Capital Bank MD (87% Recommend)
- 4.5 in Easy Application with fully digital mortgage process
- Users note “responsive loan officers and competitive rates for Montgomery County”
APG Federal Credit Union (84% Recommend)
- 4.4 in Support & Guidance with strong member-focused approach
- Members praise “transparent communication throughout the loan process”
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Sandy Spring Bank | Bank | 4.6 | 4.7 | 4.5 | 90% |
| Capital Bank MD | Community Bank | 4.5 | 4.4 | 4.4 | 87% |
| APG Federal Credit Union | Credit Union | 4.3 | 4.3 | 4.4 | 84% |
| EagleBank | Community Bank | 4.2 | 4.2 | 4.3 | 81% |
| John Marshall Bank | Community Bank | 4.1 | 4.1 | 4.2 | 78% |
| Mid-Atlantic Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.1 | 75% |
| M&T Bank | Bank | 3.9 | 3.9 | 4.0 | 73% |
| PNC Bank | Bank | 3.8 | 3.8 | 3.9 | 70% |
Ellicott City Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Ellicott City’s area are Meridian Bank, Lafayette Federal Credit Union, and Howard County Education Federal Credit Union.
Meridian Bank (91% Recommend)
- 4.7 in Loan Terms & Rate Satisfaction, highest among top 3 lenders
- Homeowners highlight “exceptional local market knowledge and multiple mortgage award recognitions”
Lafayette Federal Credit Union (88% Recommend)
- 4.5 in Support & Guidance with strong community focus and competitive mortgage rates
- Homeowners praise “family-like service and responsive loan officers”
Howard County Education Federal Credit Union (85% Recommend)
- 4.4 in Easy Application with member-focused approach
- Users note the “transparent communication and local expertise” in user feedback
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Meridian Bank | Bank | 4.6 | 4.7 | 4.5 | 91% |
| Lafayette Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 88% |
| Howard County Education Federal Credit Union | Credit Union | 4.4 | 4.3 | 4.3 | 85% |
| Sandy Spring Bank | Bank | 4.2 | 4.2 | 4.3 | 82% |
| Capital Bank MD | Community Bank | 4.1 | 4.1 | 4.2 | 79% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.1 | 76% |
| M&T Bank | Bank | 3.9 | 3.9 | 4.0 | 73% |
| Bank of America | Bank | 3.8 | 3.8 | 3.9 | 70% |
Glen Burnie Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Glen Burnie’s area are The Bank of Glen Burnie, Meridian Bank, and Shore United Bank.
The Bank of Glen Burnie (88% Recommend)
- 4.5 in Support & Guidance with strong local community focus and personalized service
- Homeowners highlight “friendly people and good customer service”
Meridian Bank (85% Recommend)
- 4.6 in Loan Terms & Rate Satisfaction with multiple mortgage award recognitions
- Users note the experienced mortgage professionals and variety of loan programs
Shore United Bank (82% Recommend)
- 4.3 in Easy Application with comprehensive digital banking options
- Users appreciate the bank’s community roots and personal approach
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| The Bank of Glen Burnie | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Meridian Bank | Bank | 4.3 | 4.6 | 4.3 | 85% |
| Shore United Bank | Bank | 4.3 | 4.2 | 4.2 | 82% |
| CFG Bank | Bank | 4.1 | 4.2 | 4.1 | 79% |
| Woodsboro Bank | Community Bank | 4.0 | 4.1 | 4.0 | 76% |
| PNC Bank | Bank | 3.9 | 3.9 | 4.0 | 73% |
| M&T Bank | Bank | 3.8 | 3.8 | 3.9 | 70% |
| Bank of America | Bank | 3.7 | 3.7 | 3.8 | 68% |
Maryland Best Online Home Loans Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Maryland residents are Better Mortgage, Rocket Mortgage, and Guaranteed Rate.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Better Mortgage | $50k-$3M | 5.99% – 7.85% | 15/20/30 | 5.0 | 4.5 | 4.5 | 96% |
| Rocket Mortgage | $50k-$3M | 6.25% – 8.50% | 15/20/30 | 4.5 | 4.0 | 4.5 | 95% |
| Guaranteed Rate | $50k-$2.5M | 6.15% – 8.25% | 10/15/20/30 | 4.5 | 4.5 | 4.0 | 94% |
| LoanDepot | $50k-$2M | 6.35% – 8.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 93% |
| New American Funding | $50k-$1.5M | 6.50% – 9.00% | 15/20/30 | 4.0 | 4.0 | 4.5 | 92% |
| Fairway Independent Mortgage | $50k-$2M | 6.25% – 8.50% | 15/20/30 | 4.5 | 3.5 | 4.5 | 91% |
| Movement Mortgage | $50k-$1.5M | 6.75% – 9.25% | 15/20/30 | 4.0 | 3.5 | 4.0 | 90% |
| Sage Home Loans | $50k-$2M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.0 | 89% |
| Tomo Mortgage | $50k-$2M | 5.95% – 8.25% | 15/20/30 | 4.5 | 4.5 | 4.0 | 88% |
| Zillow Home Loans | $50k-$2M | 6.25% – 8.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 87% |
| Capital Bank | $50k-$1M | 6.50% – 9.00% | 15/20/30 | 3.5 | 3.5 | 4.0 | 86% |
| PNC Bank | $50k-$2M | 6.75% – 9.25% | 15/20/30 | 3.5 | 3.5 | 3.5 | 85% |
| Central Credit Union of Maryland | $50k-$750k | 6.00% – 8.50% | 15/20/30 | 3.5 | 4.0 | 4.0 | 84% |
| Five Star Federal Credit Union | $50k-$750k | 6.25% – 8.75% | 15/20/30 | 3.5 | 3.5 | 4.0 | 83% |
| Bison State Bank | $50k-$1M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 3.5 | 82% |
