Home purchase lenders in Howard County
3,238 home purchase mortgages were made in Howard County, Maryland, in 2025, by 305 lenders. The median rate their borrowers got was 6.499% on a median loan of $485,000. Of 3,650 decisions, 327 were denials — 9.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 164 | 6.438% | $485,000 | 10.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 161 | 6.499% | $485,000 | 5.3% |
| NVR Mortgage Finance, Inc. | 154 | 6.438% | $545,000 | 9.9% |
| FIRST HOME MORTGAGE CORPORATION | 150 | 6.625% | $465,000 | 2.0% |
| Prosperity Home Mortgage, LLC | 107 | 6.625% | $465,000 | 3.6% |
| Towne Bank | 86 | 6.490% | $405,000 | 5.4% |
| Truist Bank | 83 | 6.225% | $405,000 | 11.3% |
| First National Bank of Pennsylvania | 78 | 6.500% | $580,000 | 17.0% |
| Navy Federal Credit Union | 67 | 6.250% | $495,000 | 9.2% |
| JPMorgan Chase Bank, National Association | 62 | 6.375% | $590,000 | 5.7% |
| NFM, INC. | 55 | 6.500% | $455,000 | 5.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 52 | 6.625% | $595,000 | 5.5% |
| EMBRACE HOME LOANS, INC. | 51 | 6.625% | $475,000 | 1.6% |
| Fairway Independent Mortgage Corporation | 50 | 6.625% | $505,000 | 3.9% |
| TOWER Federal Credit Union | 46 | 6.250% | $410,000 | 9.6% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 46 | 6.000% | $595,000 | 6.1% |
| PENNYMAC LOAN SERVICES, LLC | 45 | 6.125% | $445,000 | 9.6% |
| MERIDIAN BANK | 45 | 6.490% | $545,000 | 0.0% |
| Bank of America, National Association | 43 | 6.240% | $425,000 | 23.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 43 | 6.500% | $425,000 | 4.4% |
| Fulton Bank, National Association | 42 | 6.495% | $530,000 | 12.5% |
| DIRECT MORTGAGE LOANS, LLC | 41 | 6.625% | $455,000 | 2.1% |
| GUARANTEED RATE AFFINITY, LLC | 40 | 6.575% | $545,000 | 2.4% |
| NEWREZ LLC | 39 | 6.375% | $565,000 | 11.4% |
| Manufacturers and Traders Trust Company | 38 | 5.813% | $625,000 | 13.6% |
| GUILD MORTGAGE COMPANY | 38 | 6.500% | $440,000 | 5.0% |
| GUARANTEED RATE, INC. | 37 | 6.500% | $575,000 | 2.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 37 | 6.250% | $565,000 | 7.5% |
| OriginPoint, LLC | 36 | 6.375% | $555,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 31 | 6.750% | $505,000 | 0.0% |
| First Heritage Mortgage, LLC | 30 | 6.375% | $525,000 | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 30 | 6.438% | $420,000 | 6.3% |
| Wells Fargo Bank, National Association | 30 | 6.313% | $465,000 | 3.2% |
| BAY EQUITY LLC | 27 | 6.625% | $515,000 | 0.0% |
| Mortgage Research Center, LLC | 26 | 6.058% | $460,000 | 18.8% |
| CMG MORTGAGE, INC. | 26 | 6.500% | $415,000 | 6.5% |
| Shore United Bank, N.A. | 24 | 6.313% | $790,000 | 7.7% |
| DHI MORTGAGE COMPANY, LTD. | 22 | 6.438% | $690,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 22 | 6.500% | $410,000 | 4.4% |
| Presidential Bank, FSB | 22 | 6.563% | $465,000 | 4.4% |
| Vellum Mortgage, Inc. | 21 | 6.625% | $465,000 | 0.0% |
| PNC Bank, National Association | 20 | 6.500% | $305,000 | 9.1% |
| THE LOAN STORE, INC. | 20 | 6.370% | $470,000 | 4.2% |
| LOWER, LLC | 20 | 6.188% | $405,000 | 0.0% |
| Atlantic Union Bank | 19 | 6.625% | $505,000 | 9.5% |
| Atlantic Coast Mortgage, LLC | 19 | 6.490% | $555,000 | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 17 | 6.375% | $575,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 17 | 6.875% | $535,000 | 0.0% |
| OCMBC, INC. | 17 | 7.499% | $385,000 | 5.6% |
| Broker Solutions, Inc. | 16 | 6.240% | $485,000 | 5.9% |
| UNION HOME MORTGAGE CORP. | 16 | 6.750% | $500,000 | 5.9% |
| KIND LENDING, LLC | 15 | 6.500% | $405,000 | 25.0% |
| TD Bank, National Association | 15 | 6.375% | $615,000 | 11.8% |
| CHURCHILL MORTGAGE CORPORATION | 15 | 6.250% | $485,000 | 0.0% |
| EMET LENDING GROUP, INC. | 15 | 6.875% | $455,000 | 0.0% |
| Ameris Bank | 14 | 6.490% | $445,000 | 6.7% |
| T2 FINANCIAL LLC | 14 | 6.500% | $520,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 13 | 5.995% | $505,000 | 12.5% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 13 | 5.500% | $575,000 | 7.1% |
| FREEDOM MORTGAGE CORPORATION | 13 | 6.000% | $565,000 | 7.1% |
| FIDELITY DIRECT MORTGAGE, LLC | 13 | 6.375% | $505,000 | 0.0% |
| Dollar Bank, Federal Savings Bank | 13 | 6.500% | $995,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 12 | 6.594% | $555,000 | 7.1% |
| USAA Federal Savings Bank | 12 | 6.313% | $565,000 | 14.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 5.995% | $705,000 | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 12 | 6.625% | $555,000 | 0.0% |
| 21st Mortgage Corporation | 11 | 10.170% | $125,000 | 78.0% |
| GUIDANCE RESIDENTIAL, LLC | 11 | 6.875% | $395,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.500% | $445,000 | 8.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 6.875% | $395,000 | 8.3% |
| Morgan Stanley Private Bank, National Association | 11 | 5.950% | $575,000 | 0.0% |
| EQUITY RESOURCES, INC. | 10 | 6.625% | $595,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 47.1% |
| WesBanco Bank, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| DAS Acquisition Company, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 51.5% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NMSI, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| THE MORTGAGE LINK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| EDUCATIONAL SYSTEMS | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 7 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 7 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOTAL MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYPLUS | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 16.7% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Orrstown Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INSTAMORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Arundel Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Rosedale Federal Savings and Loan Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENNAR MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HARTFORD FUNDING, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| POINT BREEZE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NORTHROP GRUMMAN Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Atlantic Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| IVY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDING CAPITAL GROUP Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 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 105 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.