Mortgage lenders in Frederick County
7,470 mortgages were made in Frederick County, Maryland, in 2025, by 397 lenders. The median rate their borrowers got was 6.500% on a median loan of $325,000. Of 9,723 decisions, 1,816 were denials — 18.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 599 | 6.625% | $285,000 | 9.3% |
| PNC Bank, National Association | 518 | 0.250% | $105,000 | 22.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 344 | 6.125% | $440,000 | 13.8% |
| Navy Federal Credit Union | 309 | 7.750% | $125,000 | 28.0% |
| Truist Bank | 283 | 6.500% | $155,000 | 35.9% |
| NVR Mortgage Finance, Inc. | 230 | 6.500% | $475,000 | 14.2% |
| PENNYMAC LOAN SERVICES, LLC | 184 | 6.625% | $265,000 | 16.9% |
| Manufacturers and Traders Trust Company | 154 | 5.990% | $155,000 | 29.2% |
| NFM, INC. | 120 | 6.750% | $395,000 | 0.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 119 | 6.575% | $395,000 | 8.3% |
| Bank of America, National Association | 117 | 6.240% | $155,000 | 44.3% |
| FREEDOM MORTGAGE CORPORATION | 115 | 6.125% | $485,000 | 12.2% |
| Towne Bank | 115 | 6.490% | $405,000 | 0.0% |
| NEWREZ LLC | 112 | 6.625% | $420,000 | 30.4% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 99 | 6.000% | $165,000 | 40.8% |
| First Heritage Mortgage, LLC | 97 | 6.375% | $395,000 | 3.0% |
| NATIONSTAR MORTGAGE LLC | 88 | 8.375% | $135,000 | 15.9% |
| TOWER Federal Credit Union | 87 | 7.000% | $185,000 | 18.7% |
| Atlantic Coast Mortgage, LLC | 86 | 6.500% | $375,000 | 1.0% |
| Atlantic Union Bank | 85 | 7.000% | $155,000 | 17.5% |
| EDUCATIONAL SYSTEMS | 81 | 4.750% | $105,000 | 20.0% |
| FIRST HOME MORTGAGE CORPORATION | 81 | 6.750% | $465,000 | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 79 | 6.750% | $365,000 | 1.2% |
| Presidential Bank, FSB | 78 | 6.625% | $410,000 | 7.1% |
| CMG MORTGAGE, INC. | 77 | 6.500% | $505,000 | 1.1% |
| Prosperity Home Mortgage, LLC | 68 | 6.625% | $425,000 | 10.5% |
| Mortgage Research Center, LLC | 63 | 5.990% | $515,000 | 33.3% |
| Loandepot.Com, LLC | 62 | 6.538% | $325,000 | 22.4% |
| GUILD MORTGAGE COMPANY | 61 | 6.375% | $395,000 | 1.5% |
| GUARANTEED RATE, INC. | 60 | 6.433% | $430,000 | 6.3% |
| EMBRACE HOME LOANS, INC. | 57 | 6.625% | $415,000 | 1.6% |
| DHI MORTGAGE COMPANY, LTD. | 53 | 5.625% | $495,000 | 5.4% |
| Vellum Mortgage, Inc. | 52 | 6.563% | $400,000 | 1.9% |
| SPRING EQ, LLC | 51 | 9.425% | $65,000 | 60.3% |
| SWBC MORTGAGE CORPORATION | 51 | 6.625% | $445,000 | 1.7% |
| ENVOY MORTGAGE, LTD | 50 | 6.563% | $410,000 | 9.1% |
| Shore United Bank, N.A. | 50 | 6.500% | $380,000 | 2.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 48 | 6.625% | $345,000 | 4.0% |
| THE MORTGAGE LINK, INC. | 48 | 6.562% | $380,000 | 1.9% |
| PATRIOT | 47 | 4.990% | $85,000 | 32.9% |
| PENTAGON FEDERAL CREDIT UNION | 46 | 7.500% | $250,000 | 41.8% |
| First National Bank of Pennsylvania | 45 | 6.375% | $255,000 | 16.7% |
| LENNAR MORTGAGE, LLC | 44 | 6.625% | $435,000 | 8.3% |
| FIGURE LENDING LLC | 42 | 9.975% | $75,000 | 21.5% |
| Citizens Bank, National Association | 42 | 8.400% | $145,000 | 34.3% |
| Integrity Home Mortgage Corporation | 40 | 6.875% | $355,000 | 2.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 39 | 6.250% | $505,000 | 8.9% |
| Coastal Community Bank | 38 | 9.740% | $75,000 | 1.6% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 38 | 6.625% | $435,000 | 20.8% |
| Fairway Independent Mortgage Corporation | 38 | 6.625% | $390,000 | 5.0% |
| ACNB Bank | 34 | 7.301% | $215,000 | 17.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 33 | 8.490% | $105,000 | 8.1% |
| JPMorgan Chase Bank, National Association | 33 | 6.490% | $375,000 | 23.3% |
| U.S. Bank National Association | 32 | 8.100% | $105,000 | 48.4% |
| Broker Solutions, Inc. | 30 | 6.625% | $330,000 | 27.7% |
| Wells Fargo Bank, National Association | 30 | 6.500% | $285,000 | 18.9% |
| LOWER, LLC | 30 | 6.625% | $435,000 | 11.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 30 | 6.625% | $365,000 | 6.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 30 | 6.750% | $320,000 | 3.0% |
| WesBanco Bank, Inc. | 30 | 6.995% | $105,000 | 6.1% |
| Fulton Bank, National Association | 29 | 6.625% | $325,000 | 21.1% |
| ZILLOW HOME LOANS, LLC | 29 | 6.125% | $445,000 | 9.4% |
| BAY EQUITY LLC | 28 | 6.750% | $400,000 | 0.0% |
| THE LOAN STORE, INC. | 27 | 6.875% | $335,000 | 15.7% |
| Lendage, LLC | 27 | 10.500% | $65,000 | 9.4% |
| FIDELITY DIRECT MORTGAGE, LLC | 27 | 6.625% | $415,000 | 0.0% |
| FEDERATED MORTGAGE CORP. | 27 | 6.375% | $465,000 | 0.0% |
| AmeriSave Mortgage Corporation | 26 | 8.375% | $85,000 | 62.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.000% | $285,000 | 32.4% |
| Capital Bank, National Association | 25 | 6.490% | $645,000 | 0.0% |
| OriginPoint, LLC | 25 | 5.750% | $415,000 | 0.0% |
| TD Bank, National Association | 24 | 7.690% | $230,000 | 20.6% |
| BETTER MORTGAGE CORPORATION | 23 | 8.500% | $135,000 | 37.8% |
| Woodsboro Bank | 23 | Not published | $415,000 | 4.2% |
| KIND LENDING, LLC | 21 | 6.625% | $415,000 | 30.0% |
| United Bank | 21 | 6.490% | $385,000 | 16.0% |
| UNION HOME MORTGAGE CORP. | 21 | 5.990% | $415,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 20 | 6.990% | $120,000 | 37.8% |
| MOVEMENT MORTGAGE, LLC | 19 | 6.250% | $375,000 | 12.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 19 | 6.250% | $225,000 | 13.6% |
| MERIDIAN BANK | 19 | 6.875% | $395,000 | 5.0% |
| United Nations Federal Credit Union | 18 | 6.000% | $415,000 | 14.3% |
| KEYSTONE FUNDING, INC. | 18 | 6.625% | $415,000 | 6.9% |
| FIRST SAVINGS MORTGAGE CORPORATION | 18 | 6.438% | $505,000 | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 18 | 6.495% | $350,000 | 5.3% |
| USAA Federal Savings Bank | 17 | 6.125% | $405,000 | 29.2% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 17 | 6.125% | $175,000 | 19.1% |
| ABNB Federal Credit Union | 17 | 5.000% | $625,000 | 5.6% |
| T2 FINANCIAL LLC | 17 | 6.875% | $355,000 | 0.0% |
| APL Federal Credit Union | 17 | 7.500% | $95,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 8.500% | $195,000 | 57.4% |
| Northwest Federal Credit Union | 16 | 7.000% | $135,000 | 15.8% |
| NATIONS DIRECT MORTGAGE, LLC | 16 | 6.620% | $495,000 | 0.0% |
| NYMEO FEDERAL CREDIT UNION | 16 | 5.688% | $345,000 | 20.0% |
| MILLENNIUM FINANCIAL GROUP, INC. | 15 | 6.250% | $325,000 | 6.3% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 5.813% | $400,000 | 58.8% |
| MDE HOME LOANS, LLC | 14 | 6.375% | $630,000 | 0.0% |
| PHH Mortgage Corporation | 13 | 6.500% | $355,000 | 0.0% |
| NASA Federal Credit Union | 13 | 7.250% | $125,000 | 7.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 13 | 6.125% | $405,000 | 12.5% |
| OCMBC, INC. | 12 | 6.999% | $370,000 | 11.8% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.438% | $350,000 | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 9.920% | $145,000 | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 12 | 6.563% | $295,000 | 11.8% |
| Northpointe Bank | 12 | 6.563% | $360,000 | 0.0% |
| Middletown Valley Bank | 12 | Not published | $535,000 | 0.0% |
| Horizon Farm Credit, ACA | 12 | 6.805% | $435,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 6.120% | $475,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 11 | 6.250% | $375,000 | 15.4% |
| GoodLeap, LLC | 11 | 6.375% | $205,000 | 27.8% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | 7.125% | $365,000 | 8.3% |
| QUORUM FEDERAL CREDIT UNION | 11 | 9.625% | $105,000 | 17.7% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.375% | $365,000 | 15.4% |
| Sierra Pacific Mortgage Company, Inc. | 11 | 6.750% | $445,000 | 0.0% |
| Mortgage Right | 11 | 6.250% | $335,000 | 0.0% |
| DAS Acquisition Company, LLC | 11 | 6.375% | $505,000 | 0.0% |
| LoanUnited.com, LLC | 10 | 5.625% | $450,000 | 0.0% |
| A&D Mortgage LLC | 10 | 6.813% | $410,000 | 23.1% |
| Loansteady LLC | 10 | 6.500% | $390,000 | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 10 | 6.933% | $470,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.350% | $455,000 | 0.0% |
| POINT BREEZE Credit Union | 10 | 5.375% | $670,000 | 9.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 10 | 6.438% | $355,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Dart Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Mid-Atlantic Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 38.5% |
| RESICENTRAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| Tomo Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| GUIDANCE RESIDENTIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYPLUS | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KWIK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SkyPoint Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Apple Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MEMBERS 1ST | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Armed Forces Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 70.6% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Farmers and Merchants Trust Company of Chambersburg | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 44.4% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Bank-Fund Staff Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OceanFirst Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| IVY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Orrstown Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 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 197 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Frederick County
58 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| PNC Bank, National Association | 11 | $1.8 billion |
| Truist Bank | 10 | $1.1 billion |
| Manufacturers and Traders Trust Company | 6 | $503.9 million |
| Woodsboro Bank | 5 | $445.9 million |
| Bank of America, National Association | 4 | $772.5 million |
| Middletown Valley Bank | 4 | $430.2 million |
| ACNB Bank | 4 | $289.5 million |
| Atlantic Union Bank | 3 | $477.0 million |
| First United Bank & Trust | 3 | $258.6 million |
| Capital One, National Association | 2 | $295.5 million |
| JPMorgan Chase Bank, National Association | 2 | $51.8 million |
| Wells Fargo Bank, National Association | 1 | $197.8 million |
| Fulton Bank, National Association | 1 | $40.4 million |
| Presidential Bank, FSB | 1 | $19.2 million |
| Woodforest National Bank | 1 | $4.1 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- WesBanco Bank, Inc., 11801 Fingerboard Rd, Monrovia
Get told when this changes
When the next year’s lending figures are out for Frederick County, 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. 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.