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Best Mortgage Brokers in Annapolis, MD
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As of June 2026, RatingsNearMe ranks 19 mortgage brokers in Annapolis, MD by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is A.J. Campitelli with FitzGerald Financial Group with a 5.0-star rating from 381 Google reviews and an RNM Score of 88/100. 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 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Annapolis, MD is home to a variety of mortgage brokers who can assist consumers with securing home loans. When searching for a mortgage broker locally, consumers should consider factors such as industry experience, licensing, and customer reviews.
- ✓Mortgage brokers in Annapolis can help consumers navigate the home loan process
- ✓Consumers should research a broker's credentials and customer satisfaction before selecting one
- ✓Annapolis mortgage brokers offer a range of loan products and services to meet different financial needs
Best Overall
First Home Mortgage - Annapolis
First Home Mortgage - Annapolis is the top-ranked broker in Annapolis, offering a well-established local presence and a wide range of mortgage products.
Most Reviewed
First Home Mortgage - Annapolis
A high volume of reviews typically indicates strong customer engagement and a track record of successful transactions, helping you gauge reliability.
When choosing a mortgage broker in Annapolis, compare rates, fees, and customer service from multiple brokers, and ask about their experience with local lenders and first-time homebuyer programs.
How to Choose a Mortgage Broker in Annapolis
What to look for
- • Experience and expertise in the Annapolis, MD mortgage market
- • Strong communication and customer service skills
- • Transparent fees and cost breakdown
- • Ability to explain the mortgage process clearly
Questions to ask
- • How long have you been a mortgage broker in Annapolis?
- • What types of loans do you specialize in?
- • Can you provide references from past Annapolis clients?
- • What is your process for finding the best loan options for my situation?
Red flags
- ⚠ Unwillingness to provide a detailed cost estimate upfront
- ⚠ Lack of knowledge about Annapolis-specific mortgage regulations
- ⚠ Pressure to use certain lenders or products
In Maryland, mortgage brokers must be licensed by the Commissioner of Financial Regulation. Be sure to verify the broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
129
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of Annapolis clients, this broker holds a flawless 5.0-star rating.
180 Admiral Cochrane Dr Suite 500, Annapolis, MD 21401, USATrusted by hundreds of local clients with a near-perfect 4.9-star rating.
2553 Housley Rd, Annapolis, MD 21401, USATop-rated Annapolis mortgage broker with a perfect 5.0★ score from 167 reviews.
1730 West St Suite 205, Annapolis, MD 21401, USAMortgage 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 | Meridian Bank Mortgage2448 Holly Ave, Annapolis, MD 21401, USA | 5.0★ | 157 |
| #5 | Harry Manley - First Home Mortgage900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA | 5.0★ | 143 |
| #6 | Matt Nader - First Home Mortgage900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA | 5.0★ | 123 |
| #7 | Brad Hewick with FitzGerald Financial Group180 Admiral Cochrane Dr, Annapolis, MD 21401, USA | 5.0★ | 87 |
| #8 | Ann Fisher Loan Officer at FitzGerald Financial Group180 Admiral Cochrane Dr Suite 500, Annapolis, MD 21401, USA | 5.0★ | 87 |
| #9 | Trent Riggs Loan Officer- Main Street Home Loans479 Jumpers Hole Rd # 404, Severna Park, MD 21146, USA | 5.0★ | 82 |
| #10 | Fidelity First Mortgage707 Bestgate Rd, Annapolis, MD 21401, USA | 5.0★ | 64 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Annapolis
Top-rated Annapolis mortgage broker with 157 perfect 5.0-star Google reviews.
2448 Holly Ave, Annapolis, MD 21401, USA
Trusted by hundreds of local homeowners with a perfect 5.0-star rating.
900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA
Exceptional 5.0-star rating from over 120 local Google reviews.
900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA
Annapolis mortgage broker with a perfect 5.0-star rating from 87 reviews.
180 Admiral Cochrane Dr, Annapolis, MD 21401, USA
Rated 5.0 stars from 87 Google reviews for exceptional mortgage services in Annapolis.
180 Admiral Cochrane Dr Suite 500, Annapolis, MD 21401, USA
Earns exceptional 5.0 stars from 82 Google reviews in Annapolis.
479 Jumpers Hole Rd # 404, Severna Park, MD 21146, USA
Top-rated Annapolis mortgage broker with a perfect 5.0-star rating from 64 reviews.
707 Bestgate Rd, Annapolis, MD 21401, USA
Top-rated local mortgage broker in Annapolis with a perfect 5.0 from 58 reviews.
900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA
4.9-star rating from 75 Google reviews reflects exceptional client satisfaction.
900 Bestgate Rd Suite 202, Annapolis, MD 21401, USA
60 Google reviews average a perfect 5.0 stars for this Annapolis mortgage broker.
2553 Housley Rd #200, Annapolis, MD 21401, USA
4.9 stars from 158 reviews, reflecting exceptional client satisfaction in Annapolis.
900 Bestgate Rd | Suite 310, Annapolis, MD 21401, USA
Consistently rated 5.0 stars from 10 Google reviews in Annapolis.
170 Jennifer Rd Suite 335, Annapolis, MD 21401, USA
Top-rated Annapolis mortgage broker with a perfect 5.0★ score from 96 reviews.
175 Admiral Cochrane Dr #101-A, Annapolis, MD 21401, USA
Annapolis mortgage broker with a 4.9-star rating from nearly 100 reviews.
1997 Annapolis Exchange #500, Annapolis, MD 21401, USA
Consistently rated 5.0 stars from 80 Google reviews in Annapolis.
|, 900 Bestgate Rd Suite 310, Annapolis, MD 21401, USA
Annapolis mortgage broker with a perfect 5.0-star rating from 84 reviews.
2201 Main St Suite 2, Chester, MD 21619, USA
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Mortgage Brokers in Annapolis, MD — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | A.J. Campitelli with FitzGerald Financial Group | 88/100 | 5.0 ★ | 381 |
| 2 | Bay Capital Mortgage Corporation | 87/100 | 4.9 ★ | 438 |
| 3 | Channel Marker Mortgage | 86/100 | 5.0 ★ | 167 |
| 4 | Meridian Bank Mortgage | 86/100 | 5.0 ★ | 157 |
| 5 | Harry Manley - First Home Mortgage | 85/100 | 5.0 ★ | 143 |
| 6 | Matt Nader - First Home Mortgage | 85/100 | 5.0 ★ | 123 |
| 7 | Brad Hewick with FitzGerald Financial Group | 83/100 | 5.0 ★ | 87 |
| 8 | Ann Fisher Loan Officer at FitzGerald Financial Group | 83/100 | 5.0 ★ | 87 |
| 9 | Trent Riggs Loan Officer- Main Street Home Loans | 82/100 | 5.0 ★ | 82 |
| 10 | Fidelity First Mortgage | 81/100 | 5.0 ★ | 64 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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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 10, 2026.
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