Mortgage lenders in Baltimore city
10,215 mortgages were made in Baltimore city, Maryland, in 2025, by 472 lenders. The median rate their borrowers got was 6.750% on a median loan of $205,000. Of 15,577 decisions, 4,473 were denials — 28.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 580 | 6.749% | $205,000 | 28.4% |
| Rocket Mortgage, LLC | 538 | 6.625% | $185,000 | 29.2% |
| FIRST HOME MORTGAGE CORPORATION | 481 | 6.625% | $265,000 | 3.4% |
| NFM, INC. | 314 | 6.750% | $265,000 | 2.2% |
| Manufacturers and Traders Trust Company | 312 | 5.990% | $105,000 | 46.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 296 | 6.625% | $245,000 | 4.8% |
| 254900CTT87ZKAUTIJ37 | 272 | 7.625% | $155,000 | 19.1% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 239 | 6.375% | $95,000 | 60.3% |
| Navy Federal Credit Union | 200 | 7.750% | $130,000 | 48.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 191 | 6.750% | $255,000 | 3.0% |
| Bank of America, National Association | 179 | 6.240% | $195,000 | 52.6% |
| Kiavi Funding, Inc. | 172 | 9.950% | $165,000 | 18.6% |
| First National Bank of Pennsylvania | 172 | 6.245% | $155,000 | 30.4% |
| JPMorgan Chase Bank, National Association | 161 | 6.500% | $215,000 | 12.2% |
| DIRECT MORTGAGE LOANS, LLC | 151 | 6.625% | $265,000 | 3.9% |
| Fulton Bank, National Association | 135 | 6.490% | $155,000 | 27.6% |
| Truist Bank | 131 | 6.540% | $165,000 | 53.8% |
| CMG MORTGAGE, INC. | 130 | 6.625% | $300,000 | 2.1% |
| PNC Bank, National Association | 129 | 0.250% | $65,000 | 41.6% |
| DOMINION FINANCIAL SERVICES, LLC | 126 | 7.250% | $175,000 | 0.0% |
| MERIDIAN BANK | 121 | 6.375% | $215,000 | 6.8% |
| Fairway Independent Mortgage Corporation | 121 | 6.750% | $245,000 | 6.1% |
| PENNYMAC LOAN SERVICES, LLC | 119 | 6.375% | $235,000 | 31.9% |
| Mortgage Research Center, LLC | 118 | 6.500% | $285,000 | 35.1% |
| BPL MORTGAGE TRUST, LLC | 117 | 7.500% | $155,000 | 24.9% |
| Ameris Bank | 115 | 6.125% | $195,000 | 9.5% |
| NEWREZ LLC | 113 | 6.875% | $215,000 | 47.5% |
| FREEDOM MORTGAGE CORPORATION | 107 | 6.250% | $275,000 | 19.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 99 | 7.410% | $185,000 | 0.0% |
| OCMBC, INC. | 94 | 7.813% | $180,000 | 28.8% |
| Paramount Residential Mortgage Group, Inc. | 82 | 6.625% | $230,000 | 6.8% |
| NATIONSTAR MORTGAGE LLC | 78 | 7.125% | $145,000 | 29.5% |
| Loan Funder LLC | 77 | 10.250% | $165,000 | 39.4% |
| MOVEMENT MORTGAGE, LLC | 72 | 6.500% | $260,000 | 9.7% |
| Towne Bank | 72 | 6.625% | $235,000 | 2.7% |
| DAS Acquisition Company, LLC | 70 | 6.562% | $305,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 70 | 6.495% | $255,000 | 2.4% |
| Loandepot.Com, LLC | 68 | 6.625% | $130,000 | 45.4% |
| Atlantic Union Bank | 65 | 6.500% | $245,000 | 13.3% |
| Broker Solutions, Inc. | 63 | 6.625% | $215,000 | 37.3% |
| Shore United Bank, N.A. | 63 | 6.625% | $235,000 | 6.0% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 62 | Not published | $180,000 | 43.6% |
| FIDELITY DIRECT MORTGAGE, LLC | 57 | 6.750% | $185,000 | 9.0% |
| TOWER Federal Credit Union | 55 | 7.000% | $105,000 | 35.2% |
| LOWER, LLC | 54 | 6.625% | $235,000 | 20.3% |
| TOWNE MORTGAGE COMPANY | 51 | 6.250% | $205,000 | 4.9% |
| Prosperity Home Mortgage, LLC | 50 | 6.813% | $265,000 | 5.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 49 | 10.490% | $135,000 | 2.0% |
| Citadel Servicing Corporation | 48 | 8.125% | $165,000 | 3.6% |
| UNION HOME MORTGAGE CORP. | 47 | 6.625% | $255,000 | 18.6% |
| FIGURE LENDING LLC | 44 | 9.100% | $65,000 | 29.5% |
| AmeriSave Mortgage Corporation | 42 | 7.938% | $85,000 | 72.1% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 42 | 5.688% | $70,000 | 21.1% |
| GUARANTEED RATE, INC. | 41 | 6.550% | $285,000 | 17.3% |
| DEEPHAVEN MORTGAGE LLC | 41 | 7.750% | $145,000 | 46.8% |
| First Heritage Mortgage, LLC | 41 | 6.625% | $255,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 40 | 6.625% | $220,000 | 17.0% |
| Wells Fargo Bank, National Association | 39 | 6.375% | $195,000 | 45.8% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 39 | Not published | $105,000 | 40.9% |
| NYMEO FEDERAL CREDIT UNION | 38 | 6.375% | $115,000 | 0.0% |
| THE LOAN STORE, INC. | 37 | 6.990% | $205,000 | 38.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 37 | 7.375% | $245,000 | 32.7% |
| NVR Mortgage Finance, Inc. | 37 | 6.625% | $415,000 | 41.3% |
| SPRING EQ, LLC | 36 | 9.950% | $55,000 | 74.5% |
| CHAMPIONS FUNDING, LLC | 36 | 7.875% | $155,000 | 47.8% |
| AMERICAN HERITAGE LENDING, LLC | 35 | 7.500% | $185,000 | 32.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 34 | 7.187% | $135,000 | 63.1% |
| Citizens Bank, National Association | 34 | 9.025% | $105,000 | 50.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 34 | 9.738% | $135,000 | 36.4% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 34 | 2.490% | $80,000 | 17.8% |
| ENVOY MORTGAGE, LTD | 34 | 6.563% | $305,000 | 8.1% |
| Click n' Close, Inc. | 33 | 7.125% | $135,000 | 8.3% |
| POINT BREEZE Credit Union | 33 | 6.000% | $155,000 | 17.5% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 32 | 6.500% | $485,000 | 25.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 31 | 6.375% | $335,000 | 11.1% |
| CHURCHILL MORTGAGE CORPORATION | 31 | 6.750% | $245,000 | 5.6% |
| HOMEXPRESS MORTGAGE CORP. | 30 | 8.313% | $150,000 | 49.2% |
| ZILLOW HOME LOANS, LLC | 29 | 6.750% | $245,000 | 9.1% |
| GUARANTEED RATE AFFINITY, LLC | 28 | 6.838% | $205,000 | 3.5% |
| EMBRACE HOME LOANS, INC. | 27 | 6.625% | $235,000 | 8.8% |
| EMM LOANS LLC | 27 | 6.250% | $255,000 | 0.0% |
| Coastal Community Bank | 26 | 10.740% | $45,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 26 | 6.990% | $190,000 | 44.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 26 | 7.437% | $185,000 | 18.8% |
| City Lending Inc. | 26 | 7.495% | $175,000 | 23.5% |
| Emporium TPO LLC | 25 | 8.125% | $155,000 | 38.0% |
| TD Bank, National Association | 24 | 7.545% | $170,000 | 45.7% |
| Orrstown Bank | 24 | 5.750% | $190,000 | 13.8% |
| Cazle Mortgage, Inc. | 24 | 6.625% | $205,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.250% | $215,000 | 32.4% |
| WesBanco Bank, Inc. | 23 | 6.625% | $295,000 | 28.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 23 | 6.875% | $215,000 | 32.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 23 | 6.990% | $215,000 | 11.8% |
| LENDINGONE, LLC | 22 | 7.400% | $160,000 | 71.1% |
| U.S. Bank National Association | 22 | 8.200% | $85,000 | 76.6% |
| BETTER MORTGAGE CORPORATION | 21 | 6.625% | $215,000 | 57.1% |
| KIND LENDING, LLC | 21 | 6.990% | $185,000 | 47.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 21 | 6.125% | $225,000 | 13.8% |
| GoodLeap, LLC | 20 | 6.495% | $125,000 | 43.8% |
| USAA Federal Savings Bank | 20 | 6.500% | $270,000 | 42.9% |
| Sierra Pacific Mortgage Company, Inc. | 20 | 6.625% | $235,000 | 0.0% |
| Atlantic Coast Mortgage, LLC | 19 | 6.490% | $295,000 | 4.0% |
| Vellum Mortgage, Inc. | 19 | 6.750% | $275,000 | 5.0% |
| Capital Bank, National Association | 19 | 6.625% | $265,000 | 13.6% |
| Luminate Bank | 19 | 6.500% | $255,000 | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 18 | 5.750% | $270,000 | 5.3% |
| PENTAGON FEDERAL CREDIT UNION | 17 | 7.500% | $75,000 | 69.0% |
| Hometown Equity Mortgage, LLC | 17 | 7.625% | $155,000 | 74.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 5.990% | $285,000 | 38.5% |
| Equity Prime Mortgage LLC | 17 | 6.750% | $265,000 | 32.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 17 | 6.625% | $245,000 | 18.2% |
| GENEVA FINANCIAL, LLC | 17 | 6.625% | $325,000 | 10.5% |
| BAY CAPITAL MORTGAGE CORPORATION | 17 | 6.375% | $275,000 | 19.1% |
| BAY EQUITY LLC | 17 | 6.625% | $295,000 | 5.6% |
| SWBC MORTGAGE CORPORATION | 17 | 6.875% | $275,000 | 0.0% |
| First National Bank of America | 16 | 9.313% | $185,000 | 5.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 16 | 6.625% | $265,000 | 11.1% |
| Watermark Capital, Inc. | 16 | 7.500% | $415,000 | 5.3% |
| Rosedale Federal Savings and Loan Association | 16 | Not published | $250,000 | 5.9% |
| CONSTRUCTIVE LOANS, LLC | 15 | 7.625% | $165,000 | 6.3% |
| LIMA ONE CAPITAL, LLC | 14 | 7.775% | $140,000 | 44.0% |
| OriginPoint, LLC | 14 | 6.300% | $270,000 | 6.7% |
| Plains Commerce Bank | 14 | 6.875% | $260,000 | 12.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 8.240% | $155,000 | 38.1% |
| Alcova Mortgage LLC | 13 | 6.625% | $255,000 | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 12 | 9.625% | $230,000 | 31.8% |
| Logan Finance Corporation | 12 | 7.875% | $560,000 | 40.0% |
| EVERETT FINANCIAL, INC. | 12 | 6.625% | $230,000 | 7.7% |
| BayVanguard Bank | 12 | Not published | $245,000 | 14.3% |
| NORTHROP GRUMMAN Federal Credit Union | 12 | 7.625% | $115,000 | 7.1% |
| The Federal Savings Bank | 11 | 6.625% | $215,000 | 21.4% |
| FOUNDATION MORTGAGE CORPORATION | 11 | 8.000% | $155,000 | 0.0% |
| T2 FINANCIAL LLC | 11 | 6.750% | $225,000 | 6.7% |
| United Bank | 11 | 5.990% | $305,000 | 15.4% |
| BAYSHORE MORTGAGE FUNDING, LLC | 11 | 6.750% | $205,000 | 15.4% |
| MLD MORTGAGE INC. | 11 | 8.625% | $105,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 11 | 6.080% | $515,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 10 | 7.125% | $225,000 | 50.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.625% | $270,000 | 7.7% |
| PLANET HOME LENDING, LLC | 10 | 5.563% | $360,000 | 26.7% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 10 | 6.813% | $225,000 | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| QUORUM FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 31.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 8.3% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYPLUS | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Genesis Capital, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| FIRST SAVINGS MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 8 | Under 10 loans | Under 10 loans | 2.6% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 57.9% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RPE Home, Inc | 8 | Under 10 loans | Under 10 loans | 40.0% |
| AMERITRUST MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 30.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| RADIUS FINANCIAL GROUP INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CLEAREDGE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| EQUITY RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PFN Lending Group, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Option Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 78.6% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TOTAL MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| MORTGAGE EQUITY PARTNERS LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUIDANCE RESIDENTIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 72.0% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MICHIGAN MUTUAL, INC. | 6 | Under 10 loans | Under 10 loans | 15.4% |
| ABL RPC Residential Credit Acquisition LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| HARTFORD FUNDING, LTD. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KEYSTONE FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| NASA Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Homesale Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| STG MORTGAGE INC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 984500RF83EA742B5589 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 58.3% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EDUCATIONAL SYSTEMS | 5 | Under 10 loans | Under 10 loans | 57.1% |
| 1ST FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 272 lenders each made 5 or fewer mortgages here, and are counted in the totals above.
Bank branches in Baltimore city
95 FDIC-insured branches from 19 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Manufacturers and Traders Trust Company | 18 | $11.3 billion |
| Wells Fargo Bank, National Association | 13 | $2.2 billion |
| Bank of America, National Association | 11 | $19.0 billion |
| PNC Bank, National Association | 10 | $4.3 billion |
| Truist Bank | 10 | $4.0 billion |
| JPMorgan Chase Bank, National Association | 7 | $284.5 million |
| The Harbor Bank of Maryland | 5 | $239.9 million |
| Fulton Bank, National Association | 5 | $220.2 million |
| First National Bank of Pennsylvania | 3 | $342.9 million |
| Capital One, National Association | 3 | $68.0 million |
| BayVanguard Bank | 2 | $69.6 million |
| TD Bank, National Association | 1 | $248.1 million |
| WesBanco Bank, Inc. | 1 | $67.1 million |
| CFG Bank | 1 | $65.9 million |
| Homewood Federal Savings Bank | 1 | $50.0 million |
| FVCbank | 1 | $37.9 million |
| Univest Bank and Trust Co. | 1 | $20.5 million |
| Stifel Trust Company, National Association | 1 | $0 |
| Wilmington Trust, National Association | 1 | $0 |
Closed since the 2025 survey
5 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Arundel Federal Savings Bank, 333 E Patapsco Ave, Brooklyn
- Bank of America, National Association, 4800 Roland Ave, Baltimore
- CIBC National Trust Company, 100 International Dr, Fl 23, Baltimore
- Manufacturers and Traders Trust Company, 111 S Calvert St, Baltimore
- Manufacturers and Traders Trust Company, 7 N Calvert St, Baltimore
Get told when this changes
When the next year’s lending figures are out for Baltimore city, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.