Refinancing lenders in Anne Arundel County
2,156 refinancing mortgages were made in Anne Arundel County, Maryland, in 2025, by 283 lenders. The median rate their borrowers got was 5.990% on a median loan of $415,000. Of 2,849 decisions, 500 were denials — 17.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 249 | 5.624% | $475,000 | 11.2% |
| Rocket Mortgage, LLC | 184 | 5.875% | $430,000 | 13.6% |
| FREEDOM MORTGAGE CORPORATION | 175 | 6.000% | $455,000 | 1.3% |
| Truist Bank | 80 | 6.290% | $160,000 | 30.3% |
| PENNYMAC LOAN SERVICES, LLC | 78 | 5.625% | $485,000 | 12.8% |
| Manufacturers and Traders Trust Company | 72 | 5.990% | $125,000 | 19.4% |
| NEWREZ LLC | 63 | 5.875% | $495,000 | 29.8% |
| PNC Bank, National Association | 61 | 8.430% | $185,000 | 21.3% |
| NFM, INC. | 59 | 6.125% | $565,000 | 0.0% |
| First National Bank of Pennsylvania | 50 | 6.240% | $155,000 | 29.6% |
| Bank of America, National Association | 44 | 6.240% | $135,000 | 31.3% |
| FIRST HOME MORTGAGE CORPORATION | 40 | 5.990% | $460,000 | 2.4% |
| Navy Federal Credit Union | 32 | 5.875% | $445,000 | 29.8% |
| Mortgage Research Center, LLC | 30 | 5.813% | $400,000 | 57.1% |
| CMG MORTGAGE, INC. | 25 | 6.500% | $455,000 | 3.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | 5.750% | $465,000 | 4.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 5.875% | $410,000 | 17.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 23 | 5.750% | $495,000 | 10.9% |
| PENTAGON FEDERAL CREDIT UNION | 21 | 7.375% | $215,000 | 33.3% |
| Shore United Bank, N.A. | 21 | 6.250% | $495,000 | 21.4% |
| NATIONSTAR MORTGAGE LLC | 21 | 6.125% | $535,000 | 8.3% |
| PHH Mortgage Corporation | 19 | 5.875% | $545,000 | 4.8% |
| Citizens Bank, National Association | 17 | 7.650% | $235,000 | 30.8% |
| Towne Bank | 17 | 6.125% | $635,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 16 | 5.750% | $455,000 | 57.1% |
| JPMorgan Chase Bank, National Association | 16 | 6.125% | $555,000 | 11.1% |
| GUARANTEED RATE, INC. | 15 | 5.750% | $535,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 15 | 5.990% | $595,000 | 0.0% |
| Loandepot.Com, LLC | 14 | 5.990% | $390,000 | 21.1% |
| Fairway Independent Mortgage Corporation | 14 | 5.750% | $515,000 | 6.7% |
| Third Federal Savings and Loan Association of Cleveland | 14 | 6.990% | $140,000 | 30.0% |
| Prosperity Home Mortgage, LLC | 14 | 6.125% | $450,000 | 6.7% |
| PLANET HOME LENDING, LLC | 14 | 5.500% | $510,000 | 16.7% |
| NASA Federal Credit Union | 14 | 7.375% | $140,000 | 6.3% |
| TOWER Federal Credit Union | 12 | 5.438% | $480,000 | 25.0% |
| United Bank | 11 | 6.490% | $455,000 | 8.3% |
| FIDELITY DIRECT MORTGAGE, LLC | 11 | 6.625% | $345,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 10 | 6.125% | $400,000 | 0.0% |
| Lendage, LLC | 10 | 12.125% | $90,000 | 16.7% |
| BAY CAPITAL MORTGAGE CORPORATION | 10 | 6.125% | $440,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 10 | 6.125% | $205,000 | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 10 | 5.995% | $595,000 | 0.0% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| SWBC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 9.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Presidential Bank, FSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 7 | Under 10 loans | Under 10 loans | 56.3% |
| EMBRACE HOME LOANS, INC. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| EMM LOANS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 11.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| CLEARPATH LENDING | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL SYSTEMS | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 5 | Under 10 loans | Under 10 loans | 54.6% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| BAYSHORE MORTGAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Rosedale Federal Savings and Loan Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Arundel Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 984500FAD1FB7FEGTE82 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Vellum Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 61.5% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| POINT BREEZE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 14.3% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 16.7% |
| OriginPoint, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Orrstown Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| APL Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCE GEORGE'S COMMUNITY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS 1ST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NYMEO FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BayVanguard Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| City Lending Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of Clarke | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FEDCHOICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Trustar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 83 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.