Home purchase lenders in Charles County
2,626 home purchase mortgages were made in Charles County, Maryland, in 2025, by 272 lenders. The median rate their borrowers got was 6.375% on a median loan of $425,000. Of 3,064 decisions, 374 were denials — 12.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 274 | 6.125% | $435,000 | 9.6% |
| DHI MORTGAGE COMPANY, LTD. | 175 | 5.500% | $445,000 | 15.5% |
| Mortgage Research Center, LLC | 114 | 6.125% | $465,000 | 11.4% |
| FIRST HOME MORTGAGE CORPORATION | 109 | 6.625% | $435,000 | 3.5% |
| Navy Federal Credit Union | 108 | 6.125% | $445,000 | 16.7% |
| Fairway Independent Mortgage Corporation | 98 | 6.625% | $425,000 | 13.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 97 | 6.499% | $415,000 | 8.4% |
| Rocket Mortgage, LLC | 82 | 6.250% | $445,000 | 17.5% |
| NFM, INC. | 71 | 6.750% | $415,000 | 1.4% |
| First Heritage Mortgage, LLC | 61 | 6.250% | $425,000 | 6.1% |
| Towne Bank | 54 | 6.495% | $365,000 | 6.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 53 | 6.625% | $435,000 | 1.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 49 | 6.625% | $425,000 | 3.9% |
| NVR Mortgage Finance, Inc. | 45 | 6.125% | $605,000 | 35.7% |
| Waterstone Mortgage Corporation | 42 | 6.188% | $385,000 | 2.3% |
| FREEDOM MORTGAGE CORPORATION | 35 | 6.250% | $565,000 | 7.9% |
| CMG MORTGAGE, INC. | 31 | 6.000% | $555,000 | 2.9% |
| GUILD MORTGAGE COMPANY | 30 | 6.438% | $465,000 | 10.3% |
| EMBRACE HOME LOANS, INC. | 30 | 6.625% | $450,000 | 2.9% |
| LOWER, LLC | 27 | 6.625% | $365,000 | 9.7% |
| MOVEMENT MORTGAGE, LLC | 27 | 6.375% | $375,000 | 2.9% |
| MERIDIAN BANK | 27 | 6.250% | $405,000 | 3.6% |
| JET HOMELOANS, LP | 26 | 6.563% | $575,000 | 3.5% |
| Ameris Bank | 26 | 6.500% | $430,000 | 7.1% |
| PENNYMAC LOAN SERVICES, LLC | 25 | 6.250% | $515,000 | 16.7% |
| PNC Bank, National Association | 24 | 6.125% | $125,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 22 | 7.058% | $430,000 | 21.4% |
| WesBanco Bank, Inc. | 22 | 6.375% | $430,000 | 4.2% |
| JPMorgan Chase Bank, National Association | 22 | 6.375% | $400,000 | 4.4% |
| Kiavi Funding, Inc. | 21 | 9.950% | $235,000 | 12.5% |
| FIDELITY DIRECT MORTGAGE, LLC | 21 | 6.625% | $395,000 | 8.7% |
| Truist Bank | 20 | 6.288% | $400,000 | 16.7% |
| Paramount Residential Mortgage Group, Inc. | 19 | 6.500% | $465,000 | 5.0% |
| GUARANTEED RATE, INC. | 18 | 6.513% | $430,000 | 14.3% |
| OCMBC, INC. | 18 | 7.499% | $370,000 | 20.0% |
| Vellum Mortgage, Inc. | 18 | 6.563% | $415,000 | 0.0% |
| Bank of America, National Association | 18 | 5.625% | $390,000 | 5.3% |
| Broker Solutions, Inc. | 17 | 6.625% | $395,000 | 0.0% |
| City Lending Inc. | 16 | 6.750% | $395,000 | 30.4% |
| BAY CAPITAL MORTGAGE CORPORATION | 15 | 6.375% | $435,000 | 16.7% |
| BAY EQUITY LLC | 15 | 6.750% | $315,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 15 | 6.625% | $365,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 15 | 6.375% | $385,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 15 | 6.490% | $425,000 | 6.3% |
| Shore United Bank, N.A. | 14 | 6.125% | $545,000 | 6.7% |
| Atlantic Coast Mortgage, LLC | 14 | 6.375% | $450,000 | 0.0% |
| NEWREZ LLC | 13 | 6.250% | $475,000 | 23.5% |
| KIND LENDING, LLC | 12 | 7.120% | $440,000 | 45.5% |
| First National Bank of Pennsylvania | 12 | 6.500% | $435,000 | 33.3% |
| BAYSHORE MORTGAGE FUNDING, LLC | 12 | 6.563% | $400,000 | 0.0% |
| DAS Acquisition Company, LLC | 12 | 6.495% | $480,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 11 | 6.000% | $425,000 | 26.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 11 | 6.250% | $555,000 | 0.0% |
| Wells Fargo Bank, National Association | 10 | 6.313% | $360,000 | 0.0% |
| Loandepot.Com, LLC | 10 | 6.250% | $425,000 | 16.7% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Capital Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Clarke | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 45.5% |
| Atlantic Union Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| United Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EDUCATIONAL SYSTEMS | 3 | Under 10 loans | Under 10 loans | 57.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomePromise Corporation | 2 | Under 10 loans | Under 10 loans | 71.4% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CityWorth Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 83.3% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 1ST FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MainStreet Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RADIUS FINANCIAL GROUP INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LINKBANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Freedom Bank of Virginia | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENNIUM FINANCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 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 72 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.