Top 3 Mortgage Lenders in Ellicott City

First Home Mortgage is a top-rated local lender with deep roots in the Howard County area, serving Ellicott City residents for over 30 years. They consistently receive exceptional reviews for their personalized service, competitive rates, and expertise in Maryland's unique housing market. As a direct lender with in-house underwriting, they offer faster closings and more flexible loan programs tailored to first-time homebuyers and experienced homeowners alike. Their Columbia location provides convenient access for Ellicott City clients.

Sandy Spring Bank has been serving the Maryland community for decades with a strong focus on personalized mortgage solutions. Their Columbia branch location provides excellent service to Ellicott City homebuyers, offering competitive rates and a wide range of loan products. Customers consistently praise their knowledgeable loan officers, smooth closing process, and commitment to local community banking. As a Maryland-based institution, they understand the local real estate market dynamics and provide exceptional customer service throughout the homebuying journey.

Prosperity Home Mortgage operates a major regional office in Columbia that actively serves the Ellicott City market. They are renowned for their competitive rates and extensive experience with Maryland-specific loan programs. The company receives high marks for their efficient processing, transparent communication, and expert guidance through complex mortgage scenarios. Their local loan officers have deep knowledge of Howard County's housing market and maintain strong relationships with real estate professionals throughout the region, ensuring smooth transactions for Ellicott City homebuyers.