24/7 Available · Annapolis
24-Hour Mortgage Brokers in Annapolis, MD — Always Available
Emergencies don't keep business hours. These mortgage brokers in Annapolis are available 24 hours a day, 7 days a week — including holidays.
As of June 2026, RatingsNearMe ranks 19 mortgage brokers in Annapolis, MD by verified customer ratings and review volume. The highest-rated is A.J. Campitelli with FitzGerald Financial Group with a 5.0-star rating from 381 verified reviews. Also in the top tier: Bay Capital Mortgage Corporation and Channel Marker Mortgage. The average rating across all listed mortgage brokers in Annapolis is 5 stars from 129 reviews per business on average.
Mortgage brokers in Annapolis: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
129
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
A.J. Campitelli with FitzGerald Financial Group
180 Admiral Cochrane Dr Suite 500, Annapolis, MD 21401, USA
Bay Capital Mortgage Corporation
2553 Housley Rd, Annapolis, MD 21401, USA
Channel Marker Mortgage
1730 West St Suite 205, Annapolis, MD 21401, USA
Mortgage Brokers Rankings in Annapolis, MD
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | A.J. Campitelli with FitzGerald Financial Group180 Admiral Cochrane Dr Suite 500, Annapolis, MD 21401, USA | 5.0★ | 381 |
| #2 | Bay Capital Mortgage Corporation2553 Housley Rd, Annapolis, MD 21401, USA | 4.9★ | 438 |
| #3 | Channel Marker Mortgage1730 West St Suite 205, Annapolis, MD 21401, USA | 5.0★ | 167 |
| #4 | Fidelity First Mortgage707 Bestgate Rd, Annapolis, MD 21401, USA | 5.0★ | 64 |
| #5 | Matt Nader - First Home Mortgage900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA | 5.0★ | 123 |
| #6 | Jason Nader - First Home Mortgage | NMLS ID 313085900 Bestgate Rd | Suite 310, Annapolis, MD 21401, USA | 4.9★ | 158 |
| #7 | Meridian Bank Mortgage2448 Holly Ave, Annapolis, MD 21401, USA | 5.0★ | 157 |
| #8 | Adam Siegelbaum of Direct Mortgage Loans2201 Main St Suite 2, Chester, MD 21619, USA | 5.0★ | 84 |
| #9 | Ann Fisher Loan Officer at FitzGerald Financial Group180 Admiral Cochrane Dr Suite 500, Annapolis, MD 21401, USA | 5.0★ | 87 |
| #10 | Chris Edge - First Home Mortgage - NMLS 1017539900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA | 5.0★ | 58 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Annapolis
Fidelity First Mortgage
707 Bestgate Rd, Annapolis, MD 21401, USA
Matt Nader - First Home Mortgage
900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA
Jason Nader - First Home Mortgage | NMLS ID 313085
900 Bestgate Rd | Suite 310, Annapolis, MD 21401, USA
Meridian Bank Mortgage
2448 Holly Ave, Annapolis, MD 21401, USA
Adam Siegelbaum of Direct Mortgage Loans
2201 Main St Suite 2, Chester, MD 21619, USA
Ann Fisher Loan Officer at FitzGerald Financial Group
180 Admiral Cochrane Dr Suite 500, Annapolis, MD 21401, USA
Chris Edge - First Home Mortgage - NMLS 1017539
900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA
Harry Manley - First Home Mortgage
900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA
Brad Hewick with FitzGerald Financial Group
180 Admiral Cochrane Dr, Annapolis, MD 21401, USA
Trent Riggs Loan Officer- Main Street Home Loans
479 Jumpers Hole Rd # 404, Severna Park, MD 21146, USA
Presidential Bank Mortgage
175 Admiral Cochrane Dr #101-A, Annapolis, MD 21401, USA
Embrace Home Loans - Annapolis, MD
1997 Annapolis Exchange #500, Annapolis, MD 21401, USA
Southern Trust Mortgage, LLC, Annapolis, MD Branch
170 Jennifer Rd Suite 335, Annapolis, MD 21401, USA
First Home Mortgage - Annapolis
|, 900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA
Brian Masterson - Bay Capital Mortgage
2553 Housley Rd #200, Annapolis, MD 21401, USA
Lamborne Lending, Powered by NEO Home Loans
900 Bestgate Rd Suite 202, Annapolis, MD 21401, USA
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Frequently Asked Questions — Mortgage Brokers in Annapolis
What does a mortgage broker do differently than going directly to a bank in Annapolis?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Annapolis?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in MD?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 1, 2026.
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