Mike Davidson

Maryland - Columbia


8840 Stanford Boulevard, Suite 1000

Columbia, MD 21045


About Mike

With over 18 years of mortgage banking experience, Mike joined Embrace’s Rockville, Maryland office as a Senior Loan Officer in December of 2010. In 2012, he opened a satellite office in Ellicott City, Maryland and serves as an in-house lender for a national real estate brokerage. In June 2014, Mike helped launch our Columbia, Maryland office as Branch Manager and was ranked in the top 10 retail producers for the year and was a President's Club award recipient in 2012, 2013, and 2014. Mike believes strongly in keeping communication open and constant by sharing successes and working through difficulties. His dedication to open communication builds trust and a strong relationship with his Loan Officers and operational staff. Mike believes it is his responsibility to support his Loan Officers in growing their business and works alongside them whenever they need a coach, leader, or a friend. Mike says, “We are a caring and connective team and our customers feel it.”

Prior to Embrace, Mike worked at Citywide Mortgage for 9 years as a Senior Loan Officer and Branch Manager followed by 2 years as a Branch Manager at 1st Metropolitan Mortgage at their Columbia, Maryland location. Mike is a member of the Greater Baltimore Board of Realtors and the Howard County Association of Realtors where he currently serves on the Communications Committee.

Mike has been a Maryland resident for over 35 years. The son of an Air Force Officer, he experienced the life of a “military brat” living in Norfolk, Virginia and Seoul, Korea.  Mike returned to Maryland, graduated from St. Vincent Pallotti High School and received a Bachelor of Science degree from the University of Maryland in 1997. When Mike is not spending quality time with his family, he enjoys running, biking, and boating on the Chesapeake. Mike currently lives in Maple Lawn, Maryland with his beautiful wife Adrienne, his daughters Sophie and Ella, and his Mastiff Gus.

Request for Reviews

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Thank you again for trusting us with your mortgage needs. We look forward to continuing to serve you through settlement day and beyond!

Meet the Team

Kate Chambers
Kate Westerlund was born and raised in Howard County, Maryland. She relies on her natural talents to boost her professional success, which includes creative innovation, harnessing the digital age, attention to detail, and her ability to network and develop strong partnerships within the community.  She considers herself a lifelong learner and is eager to grasp new techniques, aspects of the industry, and ever-changing technology.  In her free time, Kate enjoys spending time with her family and friends, traveling, and cooking.
Rachel DiGrazio
Rachel DiGrazio is an upstate New York native and grew up in the small town of Rochester. She relocated to Maryland in 2015 and started her career with Embrace Home Loans. Rachel has 10 years of experience in the mortgage industry. She prides herself on being a dedicated teammate and takes great initiative mentoring others. Rachel is not afraid to step out of her comfort-zone and tackle any obstacles that may arise. In her free time, Rachel enjoys spending time with family and friends, working-out, and traveling. Rachel is also an avid BARCS (Baltimore Animal Rescue and Care Shelter, Inc.) supporter and often volunteers at the local shelter in Baltimore.

0 2019, 2018, 2016, 2014, 2013, 2012

98% Customer Satisfaction Rating
Zillow Icon
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on February 20, 2020

Review By Dorothy C. for Mike Davidson

Completed transaction in February 2020

Mike and Rachael were wonderful. I started looking summer of 2019. Oct 2019 I put in an offer and I was beat out with a cash offer. January I found a foreclosure condo and they helped my work through all the glitches. I moved in today. GREAT JOB!!!


5.0 Survey completed on February 17, 2020

Review By Hussain E. for Mike Davidson

Completed transaction in February 2020

They Helped Me with all information needed, and advised me with all step to get my loan be approved in the right way Thank You


5.0 Survey completed on February 16, 2020

Review By Bradley F. for Mike Davidson

Completed transaction in February 2020

From start to finish Mike was an absolute professional. The home buying experience brings a lot of emotion, and Mike instilled confidence in my wife and I, throughout the process. Mike was very responsive to all communication and always kept us “in the know” throughout the loan process. A big THANK YOU to Mike Davidson for helping us attain our dream home!! Looking forward to doing business in the future.


5.0 Survey completed on February 16, 2020

Review By Casey F. for Mike Davidson

Completed transaction in February 2020

Mike was great to work with. He went above and beyond for us and we couldn’t be happier with our experience.


4.5 Survey completed on February 05, 2020

Review By Sam H. for Mike Davidson

Completed transaction in February 2020

Mike and his team provided excellent services and support throughout the process. He provided timely and helpful advice regarding the type of loan I was getting. Mike let me know all the important information regarding the loan and answered all my question.

Mortgage Rates Inch Up; VA Refinances Surge

Mortgage rates inched up ever so slightly this week, and applications fell in step. Though the average rate on 30-year, fixed-rate loans fell just five basis points, overall mortgage activity dropped 6.4%. Refinance applications dropped 8%, while purchase applications dropped 3%. Refinances were still 165% more than one year ago and at their third-highest point […]

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