Top 3 Mortgage Lenders in Frederick

First Home Mortgage stands out as one of Frederick's highest-rated local mortgage lenders with deep community roots and exceptional customer satisfaction. With over three decades of experience, they've built a stellar reputation for personalized service and competitive rates. Their Frederick-based team provides comprehensive mortgage solutions including specialized first-time homebuyer programs and government-backed loans. The company maintains an A+ BBB rating and consistently receives praise for their responsive communication, local underwriting expertise, and smooth closing processes that cater specifically to the Frederick County market.

As one of Maryland's oldest and most trusted financial institutions, Sandy Spring Bank brings unparalleled local expertise to Frederick homebuyers. With a physical branch in downtown Frederick, they offer the convenience of in-person service combined with competitive mortgage products. Their mortgage team specializes in construction loans and jumbo financing, making them ideal for Frederick's growing luxury and custom home markets. Customers consistently praise their knowledgeable local loan officers, streamlined application process, and commitment to community banking principles that have made them a Maryland staple for over 150 years.

Atlantic Coast Mortgage has established itself as a top-performing mortgage lender in the Frederick region with exceptional customer satisfaction ratings and highly competitive rates. While serving multiple states, their dedicated Maryland team has deep knowledge of Frederick County's unique housing market. They excel in VA and FHA lending, making them particularly strong for military families and first-time buyers. The company receives consistent praise for their transparent communication, efficient processing, and ability to handle complex loan scenarios. Their local loan officers maintain strong relationships with Frederick real estate agents, ensuring smooth transactions from application to closing.