Home purchase lenders in Baltimore County
7,925 home purchase mortgages were made in Baltimore County, Maryland, in 2025, by 387 lenders. The median rate their borrowers got was 6.625% on a median loan of $325,000. Of 9,052 decisions, 917 were denials — 10.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 411 | 6.573% | $325,000 | 10.3% |
| Rocket Mortgage, LLC | 387 | 6.500% | $325,000 | 15.8% |
| FIRST HOME MORTGAGE CORPORATION | 370 | 6.750% | $345,000 | 2.6% |
| NFM, INC. | 341 | 6.625% | $345,000 | 2.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 326 | 6.625% | $285,000 | 5.2% |
| DIRECT MORTGAGE LOANS, LLC | 271 | 6.624% | $325,000 | 2.5% |
| LENNAR MORTGAGE, LLC | 233 | 6.625% | $405,000 | 7.5% |
| First National Bank of Pennsylvania | 189 | 6.375% | $395,000 | 9.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 158 | 6.750% | $340,000 | 3.6% |
| CMG MORTGAGE, INC. | 151 | 6.500% | $375,000 | 2.4% |
| Shore United Bank, N.A. | 145 | 6.375% | $295,000 | 2.7% |
| MERIDIAN BANK | 139 | 6.500% | $315,000 | 6.0% |
| Towne Bank | 137 | 6.490% | $295,000 | 0.7% |
| Fairway Independent Mortgage Corporation | 115 | 6.625% | $325,000 | 4.1% |
| DAS Acquisition Company, LLC | 109 | 6.625% | $455,000 | 0.9% |
| Manufacturers and Traders Trust Company | 103 | 6.000% | $265,000 | 10.1% |
| Truist Bank | 100 | 6.375% | $395,000 | 14.2% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 99 | 6.250% | $325,000 | 10.8% |
| Bank of America, National Association | 95 | 6.125% | $345,000 | 22.8% |
| Navy Federal Credit Union | 92 | 6.250% | $345,000 | 13.8% |
| Prosperity Home Mortgage, LLC | 89 | 6.625% | $355,000 | 2.2% |
| NVR Mortgage Finance, Inc. | 87 | 6.500% | $465,000 | 27.5% |
| Fulton Bank, National Association | 86 | 6.625% | $245,000 | 13.0% |
| JPMorgan Chase Bank, National Association | 82 | 6.500% | $325,000 | 8.9% |
| GUILD MORTGAGE COMPANY | 78 | 6.500% | $325,000 | 7.6% |
| MOVEMENT MORTGAGE, LLC | 77 | 6.625% | $265,000 | 2.3% |
| Mortgage Research Center, LLC | 74 | 6.250% | $350,000 | 11.8% |
| OCMBC, INC. | 74 | 7.437% | $265,000 | 15.0% |
| Atlantic Union Bank | 67 | 6.490% | $315,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 64 | 6.500% | $315,000 | 2.8% |
| Kiavi Funding, Inc. | 62 | 10.950% | $255,000 | 4.6% |
| GUARANTEED RATE AFFINITY, LLC | 62 | 6.450% | $355,000 | 1.6% |
| Ameris Bank | 55 | 6.250% | $275,000 | 6.8% |
| Broker Solutions, Inc. | 54 | 6.750% | $255,000 | 9.8% |
| SWBC MORTGAGE CORPORATION | 54 | 6.625% | $345,000 | 5.2% |
| FIDELITY DIRECT MORTGAGE, LLC | 53 | 6.625% | $325,000 | 3.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 49 | 6.990% | $285,000 | 13.8% |
| Wells Fargo Bank, National Association | 47 | 6.375% | $255,000 | 28.8% |
| PENNYMAC LOAN SERVICES, LLC | 46 | 6.375% | $355,000 | 23.8% |
| BAY CAPITAL MORTGAGE CORPORATION | 45 | 6.500% | $335,000 | 14.8% |
| LOWER, LLC | 45 | 6.500% | $345,000 | 8.2% |
| DHI MORTGAGE COMPANY, LTD. | 44 | 5.875% | $470,000 | 18.5% |
| EMBRACE HOME LOANS, INC. | 44 | 6.625% | $335,000 | 7.4% |
| ZILLOW HOME LOANS, LLC | 44 | 6.375% | $335,000 | 8.3% |
| GUARANTEED RATE, INC. | 43 | 6.500% | $325,000 | 15.4% |
| CHURCHILL MORTGAGE CORPORATION | 40 | 6.500% | $305,000 | 4.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 40 | 9.750% | $240,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 39 | 6.500% | $355,000 | 4.9% |
| First Heritage Mortgage, LLC | 38 | 6.500% | $355,000 | 2.6% |
| NEWREZ LLC | 36 | 6.933% | $315,000 | 14.3% |
| THE LOAN STORE, INC. | 36 | 6.875% | $310,000 | 14.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 36 | 6.875% | $305,000 | 5.3% |
| Cazle Mortgage, Inc. | 35 | 6.499% | $295,000 | 2.8% |
| City Lending Inc. | 34 | 6.625% | $270,000 | 14.6% |
| Sierra Pacific Mortgage Company, Inc. | 33 | 6.625% | $335,000 | 2.9% |
| UNION HOME MORTGAGE CORP. | 32 | 6.625% | $345,000 | 8.6% |
| PNC Bank, National Association | 31 | 6.250% | $295,000 | 15.8% |
| DOMINION FINANCIAL SERVICES, LLC | 31 | 10.000% | $215,000 | 0.0% |
| POINT BREEZE Credit Union | 31 | 5.875% | $325,000 | 3.1% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 30 | 5.875% | $270,000 | 15.8% |
| EMM LOANS LLC | 30 | 6.750% | $320,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 30 | 6.490% | $315,000 | 8.6% |
| Presidential Bank, FSB | 30 | 6.625% | $305,000 | 6.3% |
| ENVOY MORTGAGE, LTD | 30 | 6.500% | $365,000 | 3.2% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 30 | 7.938% | $235,000 | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 29 | 6.625% | $285,000 | 3.3% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 28 | 6.125% | $350,000 | 0.0% |
| Alcova Mortgage LLC | 28 | 6.688% | $385,000 | 3.5% |
| FREEDOM MORTGAGE CORPORATION | 27 | 6.250% | $355,000 | 25.0% |
| Atlantic Coast Mortgage, LLC | 27 | 6.625% | $335,000 | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 27 | 6.490% | $265,000 | 0.0% |
| BAY EQUITY LLC | 26 | 6.490% | $365,000 | 0.0% |
| OriginPoint, LLC | 26 | 6.490% | $355,000 | 3.6% |
| KIND LENDING, LLC | 25 | 6.625% | $355,000 | 25.7% |
| 254900CTT87ZKAUTIJ37 | 25 | 7.500% | $185,000 | 7.1% |
| Homesale Mortgage, LLC | 25 | 6.875% | $365,000 | 7.4% |
| Loandepot.Com, LLC | 24 | 5.688% | $370,000 | 44.4% |
| TOWER Federal Credit Union | 23 | 6.250% | $305,000 | 17.2% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 23 | Not published | $325,000 | 17.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.625% | $375,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 22 | 6.375% | $425,000 | 14.3% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 21 | 5.875% | $415,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 21 | 6.875% | $375,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 20 | 7.562% | $265,000 | 0.0% |
| Loan Funder LLC | 19 | 10.500% | $255,000 | 17.4% |
| RADIUS FINANCIAL GROUP INC. | 19 | 6.625% | $335,000 | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 19 | 6.990% | $475,000 | 5.0% |
| ARC HOME LLC | 18 | 7.250% | $320,000 | 14.3% |
| Plains Commerce Bank | 18 | 6.558% | $340,000 | 18.2% |
| HOMEAMERICAN MORTGAGE CORPORATION | 18 | 5.625% | $775,000 | 20.8% |
| KEYSTONE FUNDING, INC. | 18 | 6.625% | $370,000 | 0.0% |
| Click n' Close, Inc. | 17 | 7.125% | $215,000 | 0.0% |
| THE MORTGAGE LINK, INC. | 17 | 6.490% | $355,000 | 5.0% |
| WesBanco Bank, Inc. | 17 | 6.500% | $345,000 | 10.0% |
| TOTAL MORTGAGE SERVICES, LLC | 17 | 6.500% | $295,000 | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 16 | 6.563% | $315,000 | 15.8% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 16 | 6.750% | $320,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 16 | 6.750% | $255,000 | 5.0% |
| First National Bank of America | 16 | 9.125% | $260,000 | 5.9% |
| Commerce Home Mortgage, Inc. | 16 | 7.250% | $260,000 | 0.0% |
| Vellum Mortgage, Inc. | 16 | 6.625% | $325,000 | 10.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 16 | 6.625% | $310,000 | 5.6% |
| T2 FINANCIAL LLC | 16 | 6.875% | $280,000 | 10.5% |
| Orrstown Bank | 16 | 5.875% | $325,000 | 0.0% |
| Firstrust Savings Bank | 15 | 6.375% | $265,000 | 28.6% |
| EQUITY RESOURCES, INC. | 15 | 6.625% | $355,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 14 | 5.913% | $645,000 | 0.0% |
| 21st Mortgage Corporation | 13 | 11.230% | $65,000 | 84.0% |
| USAA Federal Savings Bank | 13 | 6.500% | $515,000 | 38.1% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 13 | Not published | $375,000 | 15.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 13 | 6.490% | $395,000 | 10.5% |
| Luminate Bank | 13 | 6.990% | $265,000 | 13.3% |
| GENEVA FINANCIAL, LLC | 13 | 6.990% | $295,000 | 0.0% |
| U.S. Bank National Association | 12 | 6.850% | $425,000 | 25.0% |
| GEO-CORP, INC. | 12 | 7.625% | $420,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 12 | 7.875% | $215,000 | 25.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 12 | 6.625% | $300,000 | 7.7% |
| SOUTHERN TRUST MORTGAGE, LLC | 12 | 6.563% | $430,000 | 0.0% |
| FEDERATED MORTGAGE CORP. | 12 | 6.625% | $320,000 | 0.0% |
| FARMERS AND MERCHANTS BANK | 12 | Not published | $315,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 11 | 7.250% | $275,000 | 26.7% |
| BAYSHORE MORTGAGE FUNDING, LLC | 11 | 6.750% | $235,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 11 | 6.625% | $215,000 | 0.0% |
| BayVanguard Bank | 11 | Not published | $915,000 | 0.0% |
| SECURITYPLUS | 11 | 5.500% | $275,000 | 0.0% |
| Tomo Mortgage, LLC | 10 | 6.433% | $405,000 | 9.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 6.558% | $375,000 | 38.9% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 6.125% | $395,000 | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 10 | 6.433% | $340,000 | 0.0% |
| Capital Bank, National Association | 10 | 5.563% | $355,000 | 0.0% |
| A&D Mortgage LLC | 10 | 6.625% | $335,000 | 9.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.438% | $365,000 | 9.1% |
| The Dart Bank | 10 | 6.625% | $340,000 | 0.0% |
| Burke & Herbert Bank & Trust Company | 10 | 6.375% | $300,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| United Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEW WAVE LENDING GROUP INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| INTERCOASTAL MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| General Mortgage Capital Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 57.9% |
| NASA Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 10.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 7 | Under 10 loans | Under 10 loans | 73.1% |
| TD Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| UIF CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Arundel Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Rosedale Federal Savings and Loan Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 20.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST SAVINGS MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 65.7% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Acre Mortgage & Financial, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AAA CAPITAL INVESTMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VAN DYK MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MORIA DEVELOPMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of Clarke | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL SYSTEMS | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 80.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KWIK MORTGAGE CORPORATION | 3 | 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 187 lenders each made 3 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.