Mortgage lenders in Montgomery County
16,639 mortgages were made in Montgomery County, Maryland, in 2025, by 534 lenders. The median rate their borrowers got was 6.500% on a median loan of $395,000. Of 22,545 decisions, 5,009 were denials — 22.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,166 | 6.625% | $350,000 | 17.0% |
| Truist Bank | 795 | 6.340% | $305,000 | 33.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 739 | 6.250% | $465,000 | 16.7% |
| Navy Federal Credit Union | 559 | 7.750% | $165,000 | 28.6% |
| Bank of America, National Association | 488 | 6.000% | $235,000 | 41.4% |
| Atlantic Union Bank | 472 | 6.750% | $255,000 | 18.1% |
| Manufacturers and Traders Trust Company | 463 | 5.875% | $455,000 | 24.9% |
| Prosperity Home Mortgage, LLC | 361 | 6.500% | $505,000 | 6.2% |
| PNC Bank, National Association | 358 | 6.375% | $135,000 | 32.8% |
| JPMorgan Chase Bank, National Association | 310 | 6.375% | $515,000 | 9.0% |
| FIRST HOME MORTGAGE CORPORATION | 304 | 6.625% | $430,000 | 2.2% |
| Bank-Fund Staff Federal Credit Union | 295 | 6.500% | $305,000 | 9.6% |
| PENNYMAC LOAN SERVICES, LLC | 290 | 6.499% | $415,000 | 21.8% |
| First Heritage Mortgage, LLC | 284 | 6.375% | $480,000 | 3.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 273 | 6.500% | $595,000 | 1.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 259 | 6.500% | $495,000 | 4.7% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 253 | 5.875% | $245,000 | 51.9% |
| Towne Bank | 250 | 6.625% | $365,000 | 3.4% |
| Citizens Bank, National Association | 227 | 8.150% | $245,000 | 34.9% |
| First National Bank of Pennsylvania | 208 | 6.250% | $365,000 | 30.9% |
| Citibank, National Association | 195 | 6.250% | $615,000 | 15.4% |
| NEWREZ LLC | 189 | 6.875% | $315,000 | 43.9% |
| TOWER Federal Credit Union | 189 | 7.000% | $205,000 | 28.8% |
| EDUCATIONAL SYSTEMS | 180 | 4.990% | $105,000 | 48.3% |
| Atlantic Coast Mortgage, LLC | 179 | 6.625% | $535,000 | 1.0% |
| EMBRACE HOME LOANS, INC. | 177 | 6.625% | $445,000 | 9.0% |
| PULTE MORTGAGE LLC | 170 | 6.250% | $605,000 | 10.5% |
| TD Bank, National Association | 163 | 7.440% | $355,000 | 34.1% |
| Vellum Mortgage, Inc. | 153 | 6.624% | $475,000 | 1.3% |
| GUARANTEED RATE, INC. | 150 | 6.125% | $680,000 | 5.6% |
| PENTAGON FEDERAL CREDIT UNION | 141 | 7.625% | $165,000 | 42.4% |
| NATIONSTAR MORTGAGE LLC | 138 | 8.250% | $155,000 | 20.4% |
| U.S. Bank National Association | 135 | 6.875% | $355,000 | 46.7% |
| FREEDOM MORTGAGE CORPORATION | 130 | 6.125% | $505,000 | 12.9% |
| Wells Fargo Bank, National Association | 128 | 6.125% | $485,000 | 14.1% |
| United Bank | 124 | 5.990% | $575,000 | 11.4% |
| Loandepot.Com, LLC | 122 | 6.750% | $255,000 | 25.6% |
| NFM, INC. | 115 | 6.625% | $445,000 | 2.5% |
| BAY EQUITY LLC | 110 | 6.625% | $465,000 | 6.7% |
| SPRING EQ, LLC | 106 | 9.700% | $95,000 | 66.8% |
| Fairway Independent Mortgage Corporation | 99 | 6.500% | $495,000 | 2.9% |
| LOWER, LLC | 97 | 6.500% | $475,000 | 5.7% |
| Fulton Bank, National Association | 97 | 6.375% | $515,000 | 11.0% |
| Third Federal Savings and Loan Association of Cleveland | 88 | 6.990% | $175,000 | 29.5% |
| Mortgage Research Center, LLC | 86 | 5.990% | $585,000 | 29.8% |
| Morgan Stanley Private Bank, National Association | 79 | 5.775% | $875,000 | 1.2% |
| THE MORTGAGE LINK, INC. | 75 | 6.500% | $405,000 | 3.5% |
| CMG MORTGAGE, INC. | 73 | 6.500% | $565,000 | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 72 | 6.625% | $440,000 | 1.4% |
| MOVEMENT MORTGAGE, LLC | 71 | 6.375% | $405,000 | 1.1% |
| FIGURE LENDING LLC | 70 | 8.775% | $105,000 | 32.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 67 | 6.125% | $455,000 | 21.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 66 | 6.250% | $500,000 | 4.3% |
| OCMBC, INC. | 65 | 7.375% | $385,000 | 21.1% |
| THE LOAN STORE, INC. | 65 | 6.500% | $385,000 | 16.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 64 | 7.520% | $135,000 | 23.3% |
| T2 FINANCIAL LLC | 64 | 6.563% | $500,000 | 2.9% |
| Presidential Bank, FSB | 62 | 6.625% | $480,000 | 1.6% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 61 | 5.990% | $255,000 | 12.9% |
| GUILD MORTGAGE COMPANY | 59 | 6.500% | $525,000 | 7.6% |
| ZILLOW HOME LOANS, LLC | 59 | 6.375% | $455,000 | 1.6% |
| Coastal Community Bank | 57 | 9.490% | $85,000 | 1.5% |
| BETTER MORTGAGE CORPORATION | 57 | 7.875% | $305,000 | 45.7% |
| A&D Mortgage LLC | 57 | 6.500% | $445,000 | 13.2% |
| INTERCOASTAL MORTGAGE, LLC | 57 | 6.250% | $575,000 | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 55 | 6.625% | $435,000 | 0.0% |
| Mid-Atlantic Federal Credit Union | 54 | 7.500% | $165,000 | 34.2% |
| SWBC MORTGAGE CORPORATION | 52 | 6.500% | $505,000 | 3.3% |
| AmeriSave Mortgage Corporation | 50 | 8.438% | $115,000 | 65.4% |
| Broker Solutions, Inc. | 50 | 6.625% | $475,000 | 29.3% |
| NVR Mortgage Finance, Inc. | 49 | 6.375% | $465,000 | 35.5% |
| KIND LENDING, LLC | 47 | 6.625% | $455,000 | 28.4% |
| OriginPoint, LLC | 47 | 6.375% | $615,000 | 4.0% |
| United Nations Federal Credit Union | 46 | 5.688% | $620,000 | 9.8% |
| Charles Schwab Bank, SSB | 46 | 5.813% | $715,000 | 4.1% |
| MERIDIAN BANK | 45 | 6.875% | $425,000 | 6.3% |
| NASA Federal Credit Union | 45 | 7.250% | $175,000 | 7.7% |
| LAFAYETTE FEDERAL CREDIT UNION | 44 | 7.500% | $155,000 | 26.2% |
| UNION HOME MORTGAGE CORP. | 44 | 6.750% | $445,000 | 6.3% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 41 | 5.875% | $495,000 | 10.6% |
| MORTGAGE ACCESS CORP. | 40 | 6.433% | $345,000 | 8.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 40 | 6.625% | $355,000 | 9.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 39 | 5.995% | $555,000 | 20.0% |
| Northwest Federal Credit Union | 39 | 7.000% | $185,000 | 28.3% |
| Ameris Bank | 39 | 6.500% | $395,000 | 7.0% |
| GUARANTEED RATE AFFINITY, LLC | 38 | 6.500% | $560,000 | 2.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 36 | 6.563% | $375,000 | 14.3% |
| Lendage, LLC | 36 | 11.000% | $80,000 | 20.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 36 | 7.625% | $235,000 | 2.7% |
| AMWEST FUNDING CORP. | 35 | 6.875% | $505,000 | 10.3% |
| WesBanco Bank, Inc. | 34 | 6.990% | $315,000 | 20.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 33 | 6.874% | $455,000 | 17.1% |
| State Department Federal Credit Union | 32 | 6.625% | $205,000 | 14.6% |
| Capital Bank, National Association | 32 | 6.490% | $490,000 | 5.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 32 | 9.425% | $205,000 | 17.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 31 | 6.625% | $315,000 | 61.0% |
| The Dart Bank | 31 | 6.375% | $505,000 | 8.3% |
| IDB Global Federal Credit Union | 31 | 5.625% | $615,000 | 3.1% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 30 | 6.125% | $255,000 | 26.2% |
| AAA CAPITAL INVESTMENT, INC. | 30 | 6.750% | $400,000 | 0.0% |
| 254900YZ174H294JW398 | 29 | 6.500% | $775,000 | 0.0% |
| Shore United Bank, N.A. | 28 | 6.625% | $600,000 | 9.4% |
| City Lending Inc. | 28 | 7.000% | $435,000 | 26.3% |
| MORTGAGE EQUITY PARTNERS LLC | 28 | 6.625% | $455,000 | 15.2% |
| UBS Bank USA | 28 | 5.875% | $1,025,000 | 3.5% |
| NBKC BANK | 27 | 6.375% | $585,000 | 18.2% |
| Kiavi Funding, Inc. | 27 | 10.450% | $455,000 | 6.9% |
| Loansteady LLC | 27 | 6.500% | $575,000 | 0.0% |
| INSTAMORTGAGE INC. | 27 | 6.490% | $555,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 25 | 6.750% | $405,000 | 30.6% |
| NEW WAVE LENDING GROUP INC | 24 | 7.125% | $445,000 | 0.0% |
| Northpointe Bank | 24 | 6.188% | $445,000 | 7.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 24 | 6.490% | $535,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 23 | 6.500% | $335,000 | 8.0% |
| Sierra Pacific Mortgage Company, Inc. | 23 | 6.500% | $445,000 | 20.7% |
| Paramount Residential Mortgage Group, Inc. | 23 | 6.375% | $445,000 | 8.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 23 | 6.375% | $395,000 | 8.0% |
| PHH Mortgage Corporation | 22 | 5.875% | $530,000 | 31.4% |
| EQUITY RESOURCES, INC. | 22 | 6.625% | $305,000 | 4.4% |
| First National Bank of America | 22 | 9.188% | $285,000 | 18.5% |
| Apple Federal Credit Union | 20 | 7.490% | $160,000 | 33.3% |
| Commerce Home Mortgage, Inc. | 20 | 7.313% | $550,000 | 13.0% |
| TOTAL MORTGAGE SERVICES, LLC | 20 | 6.688% | $455,000 | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 20 | 6.375% | $440,000 | 9.1% |
| APL Federal Credit Union | 20 | 7.500% | $105,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 19 | 6.490% | $805,000 | 28.0% |
| Bethpage Federal Credit Union | 19 | 6.490% | $175,000 | 42.4% |
| HOMEXPRESS MORTGAGE CORP. | 19 | 6.999% | $435,000 | 29.6% |
| Tomo Mortgage, LLC | 18 | 6.495% | $625,000 | 10.0% |
| NMSI, INC. | 18 | 6.938% | $450,000 | 0.0% |
| USAA Federal Savings Bank | 17 | 6.250% | $605,000 | 57.1% |
| First Federal Bank | 17 | 6.000% | $645,000 | 0.0% |
| Luminate Bank | 17 | 6.500% | $515,000 | 5.6% |
| DEEPHAVEN MORTGAGE LLC | 17 | 8.125% | $505,000 | 29.2% |
| LAKEVIEW LOAN SERVICING, LLC | 16 | 5.490% | $405,000 | 60.8% |
| GUIDANCE RESIDENTIAL, LLC | 16 | 7.063% | $460,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 16 | 6.250% | $260,000 | 5.9% |
| JET HOMELOANS, LP | 15 | 6.490% | $555,000 | 5.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 15 | 7.624% | $525,000 | 23.8% |
| Pinnacle Bank | 15 | 6.000% | $285,000 | 14.3% |
| Valon Mortgage, Inc. | 15 | 8.100% | $55,000 | 20.0% |
| CHURCHILL MORTGAGE CORPORATION | 15 | 5.875% | $475,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 15 | 6.125% | $515,000 | 6.3% |
| The Freedom Bank of Virginia | 15 | 6.375% | $595,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 14 | 5.938% | $405,000 | 9.4% |
| ENVOY MORTGAGE, LTD | 14 | 6.500% | $465,000 | 22.2% |
| ARC HOME LLC | 14 | 6.938% | $385,000 | 26.3% |
| CAPITAL CENTER, L.L.C. | 14 | 6.000% | $575,000 | 12.5% |
| General Mortgage Capital Corporation | 14 | 6.375% | $445,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 14 | 6.625% | $575,000 | 17.7% |
| NATIONAL COOPERATIVE BANK, N.A. | 14 | 6.500% | $160,000 | 6.7% |
| Citadel Servicing Corporation | 13 | 7.375% | $415,000 | 0.0% |
| United States Senate Federal Credit Union | 13 | 7.500% | $145,000 | 11.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 13 | 6.260% | $595,000 | 12.5% |
| DAS Acquisition Company, LLC | 13 | 6.250% | $535,000 | 7.1% |
| 254900M2C4Q6DATP2889 | 12 | 6.250% | $420,000 | 42.9% |
| LIBRARY OF CONGRESS | 12 | 3.500% | $105,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 6.490% | $350,000 | 6.7% |
| PLANET HOME LENDING, LLC | 12 | 6.058% | $570,000 | 29.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 12 | 10.490% | $500,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 12 | 9.500% | $505,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 11 | 5.750% | $745,000 | 34.2% |
| Flagstar Bank, N.A. | 11 | 6.250% | $545,000 | 57.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 5.990% | $395,000 | 20.8% |
| JUSTICE Federal Credit Union | 11 | 7.500% | $115,000 | 7.7% |
| NexBank | 11 | 6.625% | $475,000 | 21.4% |
| FIRST COMMUNITY MORTGAGE, INC. | 11 | 6.625% | $435,000 | 0.0% |
| Burke & Herbert Bank & Trust Company | 11 | 6.250% | $265,000 | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 11 | 6.875% | $455,000 | 0.0% |
| SECURITYPLUS | 11 | 5.500% | $725,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 10 | 7.188% | $435,000 | 65.5% |
| EMM LOANS LLC | 10 | 6.500% | $640,000 | 0.0% |
| CLEAREDGE LENDING LLC | 10 | 7.437% | $390,000 | 33.3% |
| CHAMPIONS FUNDING, LLC | 10 | 8.125% | $460,000 | 9.1% |
| Waterstone Mortgage Corporation | 10 | 6.750% | $455,000 | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 10 | 10.000% | $540,000 | 9.1% |
| MISSION LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 8.3% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 42.1% |
| Cornerstone First Mortgage, Inc | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SkyPoint Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 15.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RESICENTRAL, LLC | 8 | Under 10 loans | Under 10 loans | 9.1% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Founders Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| The Huntington National Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Integrity Home Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 67.9% |
| BMO Bank National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Home Mortgage Alliance Corporation (HMAC) | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AGRICULTURE Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NQM FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 10.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 334 lenders each made 7 or fewer mortgages here, and are counted in the totals above.
Bank branches in Montgomery County
217 FDIC-insured branches from 29 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
10 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Atlantic Union Bank, 17801 Georgia Ave, Olney
- Atlantic Union Bank, 9707 Old Georgetown Rd, Bethesda
- Capital One, National Association, 5424 Western Ave, Chevy Chase
- Forbright Bank, 1700 Rockville Pike, Rockville
- Manufacturers and Traders Trust Company, 15850 Crabbs Branch Way, Rockville
- Manufacturers and Traders Trust Company, 3706 Howard Ave, Kensington
- PNC Bank, National Association, 3110 Gracefield Rd, Silver Spring
- TD Bank, National Association, 8661 Colesville Rd, Silver Spring
- Trustar Bank, 7811 Montrose Rd Ste 500, Potomac
- Wells Fargo Bank, National Association, 404 King Farm Blvd, Ste 100, Rockville
Get told when this changes
When the next year’s lending figures are out for Montgomery 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.