Refinancing lenders in Baltimore city
1,370 refinancing mortgages were made in Baltimore city, Maryland, in 2025, by 277 lenders. The median rate their borrowers got was 6.375% on a median loan of $205,000. Of 2,265 decisions, 635 were denials — 28.0%, most often for collateral.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 137 | 6.125% | $245,000 | 34.2% |
| Rocket Mortgage, LLC | 90 | 5.990% | $235,000 | 37.7% |
| 254900CTT87ZKAUTIJ37 | 90 | 7.563% | $155,000 | 18.4% |
| FREEDOM MORTGAGE CORPORATION | 64 | 6.250% | $315,000 | 5.3% |
| Kiavi Funding, Inc. | 63 | 7.375% | $155,000 | 19.5% |
| Manufacturers and Traders Trust Company | 57 | 5.990% | $85,000 | 29.5% |
| PENNYMAC LOAN SERVICES, LLC | 38 | 5.990% | $265,000 | 19.6% |
| DOMINION FINANCIAL SERVICES, LLC | 35 | 7.250% | $165,000 | 0.0% |
| NYMEO FEDERAL CREDIT UNION | 33 | 6.375% | $125,000 | 0.0% |
| PNC Bank, National Association | 32 | 0.250% | $105,000 | 29.2% |
| NEWREZ LLC | 30 | 6.250% | $355,000 | 37.5% |
| Bank of America, National Association | 23 | 5.990% | $125,000 | 45.2% |
| BPL MORTGAGE TRUST, LLC | 22 | 7.625% | $170,000 | 18.9% |
| Truist Bank | 22 | 6.515% | $135,000 | 39.0% |
| Mortgage Research Center, LLC | 20 | 5.750% | $315,000 | 45.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.438% | $290,000 | 4.8% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 18 | 7.150% | $175,000 | 0.0% |
| First National Bank of Pennsylvania | 17 | 6.250% | $115,000 | 51.4% |
| FIRST HOME MORTGAGE CORPORATION | 17 | 6.250% | $315,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 15 | 5.750% | $295,000 | 20.0% |
| NATIONSTAR MORTGAGE LLC | 15 | 6.250% | $265,000 | 27.3% |
| CHAMPIONS FUNDING, LLC | 14 | 7.875% | $155,000 | 65.0% |
| JPMorgan Chase Bank, National Association | 12 | 6.438% | $225,000 | 25.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 12 | 7.438% | $175,000 | 18.8% |
| Broker Solutions, Inc. | 11 | 6.125% | $285,000 | 15.4% |
| FOUNDATION MORTGAGE CORPORATION | 11 | 8.000% | $155,000 | 0.0% |
| Navy Federal Credit Union | 10 | 6.375% | $190,000 | 47.4% |
| OCMBC, INC. | 10 | 7.875% | $180,000 | 32.3% |
| NFM, INC. | 10 | 6.125% | $325,000 | 0.0% |
| DAS Acquisition Company, LLC | 10 | 5.990% | $330,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| POINT BREEZE Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 28.6% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Watermark Capital, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 53.3% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 10.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Fulton Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 40.0% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PFN Lending Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 4 | Under 10 loans | Under 10 loans | 75.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 69.2% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 60.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Shore United Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Atlantic Union Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 81.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| MERIDIAN BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Orrstown Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Rosedale Federal Savings and Loan Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 85.7% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BayVanguard Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Firstrust Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDB Global Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| StanCorp Mortgage Investors, LLC | 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% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE FUNDING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eastern Savings Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthStar Bank, S.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Univest Bank and Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kearny Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABNB Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Bird-in-Hand | 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 77 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Baltimore city, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.