Low Cost · Baltimore
Cheap Mortgage Brokers in Baltimore, MD — Best Prices
Compare mortgage brokers prices in Baltimore to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 19 mortgage brokers in Baltimore, MD by verified customer ratings and review volume. The highest-rated is NFM Lending with a 5.0-star rating from 2,166 verified reviews. Also in the top tier: Federal Hill Mortgage and Trius Lending Partners. The average rating across all listed mortgage brokers in Baltimore is 5 stars from 284 reviews per business on average.
Mortgage brokers in Baltimore: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 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
284
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
NFM Lending
1190 Winterson Rd #300, Linthicum Heights, MD 21090, USA
Federal Hill Mortgage
1240 Key Hwy, Baltimore, MD 21230, USA
Trius Lending Partners
1104 Kenilworth Dr Suite 501, Towson, MD 21204, USA
Mortgage Brokers Rankings in Baltimore, MD
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | NFM Lending1190 Winterson Rd #300, Linthicum Heights, MD 21090, USA | 5.0★ | 2,166 |
| #2 | Federal Hill Mortgage1240 Key Hwy, Baltimore, MD 21230, USA | 4.9★ | 508 |
| #3 | Trius Lending Partners1104 Kenilworth Dr Suite 501, Towson, MD 21204, USA | 5.0★ | 361 |
| #4 | Coastal Lending Group, LLC22 W Padonia Rd C-145, Timonium, MD 21093, USA | 4.9★ | 242 |
| #5 | Secured Funding Corporation3500 Boston St #234, Baltimore, MD 21224, USA | 5.0★ | 34 |
| #6 | The Hyatt Team Of Direct Mortgage Loans1447 York Rd Suite 400, Lutherville, MD 21093, USA | 5.0★ | 103 |
| #7 | Justin McManus - CrossCountry Mortgage2913 O'Donnell St #230, Baltimore, MD 21224, USA | 5.0★ | 70 |
| #8 | Cazle Mortgage6211 Greenleigh Ave Suite 145, Middle River, MD 21220, USA | 4.9★ | 382 |
| #9 | The Pamela Vroman Team of Direct Mortgage Loans2936 O'Donnell St, Baltimore, MD 21224, USA | 4.9★ | 83 |
| #10 | Direct Mortgage Loans11011 McCormick Rd Suite 400, Hunt Valley, MD 21031, USA | 4.9★ | 394 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Baltimore
Coastal Lending Group, LLC
22 W Padonia Rd C-145, Timonium, MD 21093, USA
Secured Funding Corporation
3500 Boston St #234, Baltimore, MD 21224, USA
The Hyatt Team Of Direct Mortgage Loans
1447 York Rd Suite 400, Lutherville, MD 21093, USA
Justin McManus - CrossCountry Mortgage
2913 O'Donnell St #230, Baltimore, MD 21224, USA
Cazle Mortgage
6211 Greenleigh Ave Suite 145, Middle River, MD 21220, USA
The Pamela Vroman Team of Direct Mortgage Loans
2936 O'Donnell St, Baltimore, MD 21224, USA
Direct Mortgage Loans
11011 McCormick Rd Suite 400, Hunt Valley, MD 21031, USA
First Home Mortgage - Canton
2700 Lighthouse Point E #340, Baltimore, MD 21224, USA
Taylor Paff - Preferred Home Loans
514 Oldham St, Baltimore, MD 21224, USA
Alliance Mortgage Funding, Inc.
111 Warren Rd #10A, Cockeysville, MD 21030, USA
Sharon Clatterbuck Loan Officer with HomeSale Mortgage
1425 Clarkview Rd, Baltimore, MD 21209, USA
Brune Team of Direct Mortgage Loans
11011 McCormick Rd Suite 400, Hunt Valley, MD 21031, USA
Best Loan Choice
1529 Light St, Baltimore, MD 21230, USA
First Access Lending
400 E Pratt St 8th floor, Baltimore, MD 21202, USA
Primary Residential Mortgage, Inc. - Federal Hill Branch
3 E Henrietta St, Baltimore, MD 21230, USA
Advantage Star Mortgage corp
14861 Meriwether Dr, Glenelg, MD 21737, USA
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Frequently Asked Questions — Mortgage Brokers in Baltimore
What does a mortgage broker do differently than going directly to a bank in Baltimore?
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 Baltimore?
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: May 17, 2026.
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