Mortgage lenders in Carroll County
4,205 mortgages were made in Carroll County, Maryland, in 2025, by 321 lenders. The median rate their borrowers got was 6.625% on a median loan of $275,000. Of 5,385 decisions, 968 were denials — 18.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 337 | 6.625% | $295,000 | 11.7% |
| PNC Bank, National Association | 242 | 7.690% | $115,000 | 24.9% |
| Truist Bank | 197 | 6.840% | $125,000 | 28.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 183 | 6.125% | $405,000 | 11.8% |
| Manufacturers and Traders Trust Company | 147 | 5.990% | $105,000 | 23.5% |
| Navy Federal Credit Union | 141 | 7.950% | $135,000 | 18.1% |
| TOWER Federal Credit Union | 119 | 7.000% | $145,000 | 23.1% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 116 | 2.490% | $105,000 | 9.9% |
| PENNYMAC LOAN SERVICES, LLC | 88 | 7.250% | $220,000 | 13.1% |
| Bank of America, National Association | 86 | 6.490% | $105,000 | 37.1% |
| FIRST HOME MORTGAGE CORPORATION | 84 | 6.750% | $380,000 | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 83 | 6.375% | $125,000 | 38.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 78 | 6.750% | $345,000 | 2.5% |
| NFM, INC. | 73 | 6.625% | $425,000 | 0.0% |
| ACNB Bank | 60 | 7.633% | $135,000 | 17.1% |
| DIRECT MORTGAGE LOANS, LLC | 58 | 6.500% | $355,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 57 | 6.250% | $395,000 | 10.5% |
| First National Bank of Pennsylvania | 57 | 6.375% | $245,000 | 18.6% |
| MOVEMENT MORTGAGE, LLC | 56 | 6.500% | $385,000 | 6.5% |
| NEWREZ LLC | 55 | 7.625% | $215,000 | 38.2% |
| Towne Bank | 54 | 6.490% | $335,000 | 1.7% |
| NATIONSTAR MORTGAGE LLC | 52 | 8.688% | $90,000 | 14.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 46 | 6.625% | $380,000 | 2.1% |
| GUILD MORTGAGE COMPANY | 44 | 6.495% | $350,000 | 2.1% |
| APL Federal Credit Union | 44 | 7.500% | $90,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 42 | 6.625% | $415,000 | 2.1% |
| Atlantic Union Bank | 38 | 6.875% | $205,000 | 19.2% |
| Prosperity Home Mortgage, LLC | 38 | 6.500% | $400,000 | 0.0% |
| Mortgage Research Center, LLC | 36 | 5.990% | $515,000 | 28.0% |
| SPRING EQ, LLC | 34 | 9.020% | $80,000 | 58.1% |
| OriginPoint, LLC | 34 | 6.500% | $380,000 | 5.6% |
| NVR Mortgage Finance, Inc. | 34 | 5.990% | $335,000 | 15.0% |
| First Heritage Mortgage, LLC | 31 | 6.375% | $385,000 | 6.1% |
| MERIDIAN BANK | 30 | 6.625% | $405,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 29 | 6.625% | $425,000 | 0.0% |
| FIGURE LENDING LLC | 28 | 9.275% | $80,000 | 17.0% |
| POINT BREEZE Credit Union | 27 | 6.000% | $195,000 | 3.6% |
| CMG MORTGAGE, INC. | 26 | 6.625% | $440,000 | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 26 | 6.495% | $375,000 | 3.7% |
| EMBRACE HOME LOANS, INC. | 26 | 6.625% | $390,000 | 0.0% |
| Presidential Bank, FSB | 26 | 6.563% | $435,000 | 3.7% |
| Coastal Community Bank | 25 | 11.240% | $55,000 | 0.0% |
| FARMERS AND MERCHANTS BANK | 24 | Not published | $330,000 | 7.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.250% | $395,000 | 17.9% |
| Wells Fargo Bank, National Association | 23 | 6.125% | $325,000 | 11.5% |
| GUARANTEED RATE, INC. | 23 | 6.325% | $505,000 | 0.0% |
| Loandepot.Com, LLC | 22 | 6.375% | $260,000 | 35.3% |
| Fulton Bank, National Association | 21 | 6.490% | $265,000 | 25.0% |
| Shore United Bank, N.A. | 21 | 6.563% | $385,000 | 8.7% |
| Citizens Bank, National Association | 20 | 8.400% | $185,000 | 23.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 18 | 6.500% | $450,000 | 0.0% |
| Ameris Bank | 17 | 6.625% | $365,000 | 5.6% |
| GUARANTEED RATE AFFINITY, LLC | 17 | 6.525% | $435,000 | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 17 | 6.625% | $325,000 | 0.0% |
| AmeriSave Mortgage Corporation | 16 | 8.500% | $90,000 | 66.0% |
| PENTAGON FEDERAL CREDIT UNION | 16 | 8.063% | $115,000 | 38.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 8.000% | $135,000 | 21.1% |
| Atlantic Coast Mortgage, LLC | 15 | 6.500% | $435,000 | 0.0% |
| KIND LENDING, LLC | 15 | 6.250% | $365,000 | 16.7% |
| ZILLOW HOME LOANS, LLC | 15 | 6.500% | $365,000 | 0.0% |
| MEMBERS 1ST | 14 | 1.990% | $85,000 | 28.6% |
| U.S. Bank National Association | 13 | 8.450% | $125,000 | 45.8% |
| Third Federal Savings and Loan Association of Cleveland | 13 | 6.990% | $105,000 | 34.8% |
| Sierra Pacific Mortgage Company, Inc. | 13 | 6.750% | $355,000 | 18.8% |
| Lendage, LLC | 13 | 10.375% | $75,000 | 5.9% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 13 | 5.500% | $405,000 | 0.0% |
| WesBanco Bank, Inc. | 13 | 7.240% | $105,000 | 13.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 6.188% | $290,000 | 52.9% |
| JPMorgan Chase Bank, National Association | 12 | 6.125% | $475,000 | 20.0% |
| VAN DYK MORTGAGE CORPORATION | 12 | 6.688% | $465,000 | 0.0% |
| Vellum Mortgage, Inc. | 12 | 6.563% | $360,000 | 0.0% |
| Horizon Farm Credit, ACA | 12 | 6.815% | $405,000 | 0.0% |
| BAY EQUITY LLC | 12 | 6.625% | $400,000 | 0.0% |
| EDUCATIONAL SYSTEMS | 11 | 5.125% | $105,000 | 20.0% |
| KEYSTONE FUNDING, INC. | 11 | 6.375% | $445,000 | 0.0% |
| Broker Solutions, Inc. | 10 | 7.000% | $350,000 | 28.6% |
| THE LOAN STORE, INC. | 10 | 7.058% | $240,000 | 14.3% |
| RADIUS FINANCIAL GROUP INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 18.2% |
| EMM LOANS LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 57.9% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 60.9% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| NASA Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 43.8% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 25.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 10.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 10.0% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| TOTAL MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Orrstown Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 22.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Farmers and Merchants Trust Company of Chambersburg | 5 | Under 10 loans | Under 10 loans | 44.4% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| BALTIMORE COUNTY EMPLOYEES | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MDE HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cazle Mortgage, 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% |
| FBC MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Arundel Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYPLUS | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 42.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Homesale Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BayVanguard Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United States Senate Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | 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 121 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Carroll County
38 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 9 | $1.4 billion |
| PNC Bank, National Association | 6 | $1.4 billion |
| Manufacturers and Traders Trust Company | 5 | $699.2 million |
| Farmers and Merchants Bank | 5 | $376.6 million |
| ACNB Bank | 5 | $273.2 million |
| Bank of America, National Association | 3 | $451.2 million |
| Wells Fargo Bank, National Association | 2 | $268.4 million |
| Atlantic Union Bank | 1 | $159.9 million |
| WesBanco Bank, Inc. | 1 | $121.1 million |
| JPMorgan Chase Bank, National Association | 1 | $17.3 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- WesBanco Bank, Inc., 1046 Baltimore Blvd, Westminster
Get told when this changes
When the next year’s lending figures are out for Carroll County, 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.