Top Picks · Ellicott City
Best Mortgage Brokers in Ellicott City, MD
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 10 mortgage brokers in Ellicott City, MD by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Geetesh Kapoor | Fairway Independent Mortgage Corporation Branch Manager with a 5.0-star rating from 147 Google reviews and an RNM Score of 85/100. Also in the top tier: Movement Mortgage and Abiz Mortgage Solutions Inc. The average rating across all listed mortgage brokers in Ellicott City is 5 stars from 67 reviews per business on average.
Mortgage brokers in Ellicott City: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Movement Mortgage
Movement Mortgage is top-ranked for its consistent blend of strong customer reviews, competitive rates, and a streamlined digital mortgage process in Ellicott City.
Most Reviewed
Movement Mortgage
A high review count reflects broad customer experience and trust, helping you gauge service reliability and satisfaction trends.
When choosing a mortgage broker in Ellicott City, compare loan options and fees from multiple top-ranked lenders, and prioritize those with clear communication and local market expertise.
Local Market Snapshot
10
Businesses listed
5★
Avg rating
67
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from over 140 Google reviews by local clients.
6011 University Blvd Suite 230, Ellicott City, MD 21043, USAEllicott City mortgage broker with a perfect 5.0 rating from over 100 reviews.
8167 Main St Unit 202, Ellicott City, MD 21043, USAExceptional 5.0-star rating from 83 Google reviews for mortgage services in Ellicott City.
9977 Old Annapolis Rd, Ellicott City, MD 21042, USAMortgage Brokers Rankings in Ellicott City, MD
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Geetesh Kapoor | Fairway Independent Mortgage Corporation Branch Manager6011 University Blvd Suite 230, Ellicott City, MD 21043, USA | 5.0★ | 147 |
| #2 | Movement Mortgage8167 Main St Unit 202, Ellicott City, MD 21043, USA | 5.0★ | 109 |
| #3 | Abiz Mortgage Solutions Inc9977 Old Annapolis Rd, Ellicott City, MD 21042, USA | 5.0★ | 83 |
| #4 | Steve Koung | Fairway Independent Mortgage Corporation Mortgage Consultant6011 University Blvd Suite 230, Ellicott City, MD 21043, USA | 5.0★ | 47 |
| #5 | Jennifer Healy NMLS# 1888949171 Baltimore National Pike # 110, Ellicott City, MD 21042, USA | 5.0★ | 31 |
| #6 | Emily Hufnagel, Fairway Independent Mortgage Corp Loan Officer6011 University Blvd Suite 230, Ellicott City, MD 21043, USA | 5.0★ | 16 |
| #7 | Earl Geoghegan II - Senior Mortgage Loan Officer (NMLS #453362)9977 Old Annapolis Rd, Ellicott City, MD 21042, USA | 4.9★ | 67 |
| #8 | Fairway Independent Mortgage Corporation - Kevin Ferguson Branch Sales Manager6011 University Blvd, Ellicott City, MD 21043, USA | 5.0★ | 62 |
| #9 | Presidential Bank Mortgage6021 University Blvd Suite 340, Ellicott City, MD 21043, USA | 5.0★ | 59 |
| #10 | Greg Bayne & Karina Fisher - Admiral Mortgage Services3630 Blue Hill Ct, Ellicott City, MD 21042, USA | 5.0★ | 51 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Ellicott City
Top-rated Ellicott City mortgage broker with a perfect 5.0-star rating from 47 reviews.
6011 University Blvd Suite 230, Ellicott City, MD 21043, USA
5.0 stars from 31 Google reviews, reflecting exceptional client satisfaction.
9171 Baltimore National Pike # 110, Ellicott City, MD 21042, USA
Exceptional 5.0-star rating from 16 Google reviews for reliable mortgage service.
6011 University Blvd Suite 230, Ellicott City, MD 21043, USA
4.9 stars from 67 Google reviews; trusted mortgage broker in Ellicott City.
9977 Old Annapolis Rd, Ellicott City, MD 21042, USA
Exceptional 5.0-star rating from 62 Google reviews in Ellicott City.
6011 University Blvd, Ellicott City, MD 21043, USA
Rated 5.0 stars from 59 Google reviews, this Ellicott City mortgage broker is highly trusted.
6021 University Blvd Suite 340, Ellicott City, MD 21043, USA
Top-rated Ellicott City mortgage broker with a perfect 5.0 stars from 51 reviews.
3630 Blue Hill Ct, Ellicott City, MD 21042, USA
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Mortgage Brokers in Ellicott City, MD — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Geetesh Kapoor | Fairway Independent Mortgage Corporation Branch Manager | 85/100 | 5.0 ★ | 147 |
| 2 | Movement Mortgage | 84/100 | 5.0 ★ | 109 |
| 3 | Abiz Mortgage Solutions Inc | 82/100 | 5.0 ★ | 83 |
| 4 | Steve Koung | Fairway Independent Mortgage Corporation Mortgage Consultant | 79/100 | 5.0 ★ | 47 |
| 5 | Jennifer Healy NMLS# 188894 | 77/100 | 5.0 ★ | 31 |
| 6 | Emily Hufnagel, Fairway Independent Mortgage Corp Loan Officer | 74/100 | 5.0 ★ | 16 |
| 7 | Earl Geoghegan II - Senior Mortgage Loan Officer (NMLS #453362) | 80/100 | 4.9 ★ | 67 |
| 8 | Fairway Independent Mortgage Corporation - Kevin Ferguson Branch Sales Manager | 81/100 | 5.0 ★ | 62 |
| 9 | Presidential Bank Mortgage | 81/100 | 5.0 ★ | 59 |
| 10 | Greg Bayne & Karina Fisher - Admiral Mortgage Services | 80/100 | 5.0 ★ | 51 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Ellicott City
What does a mortgage broker do differently than going directly to a bank in Ellicott City?
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 Ellicott City?
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: July 4, 2026.
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