Mike Davidson

Maryland - Columbia

21045

8840 Stanford Boulevard, Suite 1000

Columbia, MD 21045

443-283-0807

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

Reviews(224)

5.0

5.0 Survey completed on August 05, 2020

Review By Alissa B. for Mike Davidson

Completed transaction in July 2020

Mike and his team were very helpful and responsive.

5.0

5.0 Survey completed on July 28, 2020

Review By Jacob R. for Mike Davidson

Completed transaction in July 2020

I wanted to take advantage of the lower interest rates. Mike and his team walked me through every step and made sure I had all the required documents. He also ensured I did not trigger any extra tax situations and that saved thousands of dollars. Very helpful team and got things done quickly and painlessly.

4.5

4.5 Survey completed on June 30, 2020

Review By Derwin S. for Mike Davidson

Completed transaction in June 2020

Very good overall experience

4.0

4.0 Survey completed on June 16, 2020

Review By Nathan B. for Mike Davidson

Completed transaction in June 2020

Overall, my experience with Mike, Rachel, and Kate was excellent. There was a lot of communication upfront and the first time I spoke with Mike, he provided a lot of detailed information and guidance on how I should proceed with the refinance. With that being said, there were a few times where communication did drop off and it was difficult on getting an answer. Additionally, there were some unexpected requests for information and changes in process which prolonged the refinance process.

5.0

5.0 Survey completed on June 15, 2020

Review By Michael F. for Mike Davidson

Completed transaction in May 2020

Mike was candid and professional at all times and his team made the process very enjoyable.

Mortgage Interest Rates Drop
Mortgage Rates Drop, Applications Fall in Step

Mortgage rates dropped again this week, but so did overall application activity. According to the latest data from the Mortgage Bankers Association, despite an average interest rate of just 3.14%, loan applications dropped 5.1% over the last week.  Refinance activity fell 7%, while purchase loan activity dropped just 2%. Both are still higher than 2019’s…

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