Of the 12 mortgage lenders in Baltimore, MD that publish their loan programs, 8 (67%) offer conventional loans, 7 (58%) offer FHA loans and 6 (50%) offer VA loans.

Conventional loans8 of 12 (67%)

FHA loans7 of 12 (58%)

VA loans6 of 12 (50%)

USDA loans5 of 12 (42%)

Jumbo loans3 of 12 (25%)

First-time buyer programs3 of 12 (25%)

Non-QM loans3 of 12 (25%)

Hard money and bridge loans3 of 12 (25%)

Bank statement loans2 of 12 (17%)

DSCR (investor) loans2 of 12 (17%)

Renovation and 203(k) loans2 of 12 (17%)

Construction loans2 of 12 (17%)

3
advertise 3.5% down or less, including 3 with a 0% down option (typically VA or USDA)
580
lowest advertised minimum credit score; 1 lender accepts 580 or lower
3 / 6
licensed in one state only / licensed nationwide (of 12 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 12 of 30 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Other Mortgage Professionals in Baltimore

Mortgage Brokers

Available in Baltimore

View Mortgage Brokers →

Credit Unions

Available in Baltimore

View Credit Unions →

Banks

Available in Baltimore

View Banks →

Mortgage Lenders in other Maryland cities

All 64 mortgage lenders in Maryland →

Why Choose Local Mortgage Lenders in Baltimore?

Local Market Expertise

Baltimore mortgage lenders have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to Maryland. This expertise can help you navigate the local market more effectively.

Personalized Service

Working with local mortgage lenders means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.

Competitive Rates & Terms

Local mortgage lenders often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Baltimore market.

Community Connections

Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.

Frequently Asked Questions

How do I choose the right mortgage lender in Baltimore?

Shortlist at least three mortgage lenders in Baltimore, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in Maryland, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.

What questions should I ask a mortgage lender?

Ask about their experience in the Baltimore market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.

Are Baltimore mortgage lenders better than online lenders?

Local mortgage lenders offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.

Ready to Connect with Baltimore Mortgage Lenders?

Get matched with the perfect mortgage lender from our network of 30 local professionals

Advanced Search Browse All Mortgage Lenders