Home purchase lenders in Montgomery County
8,614 home purchase mortgages were made in Montgomery County, Maryland, in 2025, by 418 lenders. The median rate their borrowers got was 6.490% on a median loan of $505,000. Of 9,659 decisions, 837 were denials — 8.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 454 | 6.375% | $480,000 | 12.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 386 | 6.499% | $455,000 | 12.3% |
| Prosperity Home Mortgage, LLC | 330 | 6.563% | $505,000 | 3.2% |
| Truist Bank | 321 | 6.115% | $655,000 | 6.9% |
| FIRST HOME MORTGAGE CORPORATION | 267 | 6.625% | $445,000 | 2.5% |
| First Heritage Mortgage, LLC | 252 | 6.480% | $475,000 | 3.1% |
| FIRST SAVINGS MORTGAGE CORPORATION | 220 | 6.563% | $610,000 | 1.4% |
| Towne Bank | 216 | 6.625% | $325,000 | 3.1% |
| Manufacturers and Traders Trust Company | 213 | 5.750% | $635,000 | 3.6% |
| JPMorgan Chase Bank, National Association | 210 | 6.375% | $525,000 | 5.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 187 | 6.500% | $495,000 | 1.6% |
| PULTE MORTGAGE LLC | 170 | 6.250% | $605,000 | 10.5% |
| Navy Federal Credit Union | 157 | 6.125% | $545,000 | 13.7% |
| Bank of America, National Association | 156 | 5.990% | $475,000 | 18.9% |
| Atlantic Coast Mortgage, LLC | 150 | 6.625% | $535,000 | 0.7% |
| EMBRACE HOME LOANS, INC. | 146 | 6.625% | $435,000 | 5.7% |
| Citibank, National Association | 144 | 6.250% | $625,000 | 8.3% |
| Atlantic Union Bank | 141 | 6.500% | $575,000 | 6.6% |
| Bank-Fund Staff Federal Credit Union | 130 | 5.875% | $630,000 | 0.8% |
| Vellum Mortgage, Inc. | 128 | 6.625% | $480,000 | 1.5% |
| PENNYMAC LOAN SERVICES, LLC | 106 | 6.188% | $530,000 | 17.7% |
| BAY EQUITY LLC | 105 | 6.625% | $455,000 | 7.0% |
| GUARANTEED RATE, INC. | 102 | 6.250% | $645,000 | 2.9% |
| Wells Fargo Bank, National Association | 97 | 6.125% | $505,000 | 8.5% |
| NFM, INC. | 95 | 6.625% | $465,000 | 3.1% |
| United Bank | 82 | 5.990% | $595,000 | 3.5% |
| Fairway Independent Mortgage Corporation | 78 | 6.490% | $465,000 | 1.3% |
| Mortgage Research Center, LLC | 76 | 5.990% | $595,000 | 11.5% |
| LOWER, LLC | 73 | 6.500% | $475,000 | 3.8% |
| Fulton Bank, National Association | 71 | 6.375% | $685,000 | 7.8% |
| First National Bank of Pennsylvania | 67 | 6.250% | $685,000 | 24.7% |
| THE MORTGAGE LINK, INC. | 66 | 6.625% | $435,000 | 1.4% |
| Citizens Bank, National Association | 63 | 6.375% | $655,000 | 10.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 62 | 6.000% | $575,000 | 8.8% |
| ZILLOW HOME LOANS, LLC | 59 | 6.375% | $455,000 | 1.6% |
| Morgan Stanley Private Bank, National Association | 59 | 5.750% | $895,000 | 1.6% |
| MOVEMENT MORTGAGE, LLC | 58 | 6.313% | $415,000 | 1.5% |
| CMG MORTGAGE, INC. | 57 | 6.500% | $565,000 | 0.0% |
| T2 FINANCIAL LLC | 57 | 6.625% | $505,000 | 1.7% |
| U.S. Bank National Association | 54 | 6.375% | $585,000 | 14.3% |
| Presidential Bank, FSB | 54 | 6.625% | $490,000 | 1.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 50 | 6.375% | $495,000 | 0.0% |
| NVR Mortgage Finance, Inc. | 49 | 6.375% | $465,000 | 35.5% |
| GUILD MORTGAGE COMPANY | 49 | 6.500% | $515,000 | 5.7% |
| FIDELITY DIRECT MORTGAGE, LLC | 49 | 6.625% | $455,000 | 2.0% |
| INTERCOASTAL MORTGAGE, LLC | 47 | 6.250% | $565,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 45 | 6.500% | $505,000 | 3.9% |
| NEWREZ LLC | 44 | 6.750% | $545,000 | 15.4% |
| DIRECT MORTGAGE LOANS, LLC | 44 | 6.625% | $425,000 | 0.0% |
| THE LOAN STORE, INC. | 44 | 6.433% | $480,000 | 9.8% |
| OriginPoint, LLC | 44 | 6.413% | $600,000 | 4.4% |
| OCMBC, INC. | 43 | 7.375% | $435,000 | 23.0% |
| TD Bank, National Association | 40 | 6.375% | $650,000 | 22.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 40 | 6.625% | $355,000 | 9.1% |
| A&D Mortgage LLC | 38 | 6.563% | $520,000 | 14.9% |
| MORTGAGE ACCESS CORP. | 38 | 6.490% | $355,000 | 7.3% |
| PNC Bank, National Association | 37 | 6.250% | $445,000 | 26.0% |
| KIND LENDING, LLC | 37 | 6.625% | $505,000 | 26.0% |
| Ameris Bank | 35 | 6.500% | $385,000 | 7.7% |
| United Nations Federal Credit Union | 34 | 5.750% | $605,000 | 5.6% |
| GUARANTEED RATE AFFINITY, LLC | 34 | 6.538% | $560,000 | 2.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 32 | 6.625% | $375,000 | 15.8% |
| Loandepot.Com, LLC | 32 | 6.625% | $435,000 | 3.0% |
| MERIDIAN BANK | 31 | 6.750% | $455,000 | 3.1% |
| UNION HOME MORTGAGE CORP. | 30 | 6.750% | $450,000 | 3.2% |
| 254900YZ174H294JW398 | 29 | 6.500% | $775,000 | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 29 | 5.875% | $485,000 | 3.3% |
| PENTAGON FEDERAL CREDIT UNION | 27 | 6.375% | $415,000 | 32.5% |
| The Dart Bank | 27 | 6.375% | $585,000 | 3.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 26 | 6.933% | $410,000 | 13.3% |
| INSTAMORTGAGE INC. | 26 | 6.490% | $560,000 | 0.0% |
| Loansteady LLC | 26 | 6.500% | $575,000 | 0.0% |
| TOWER Federal Credit Union | 25 | 6.500% | $355,000 | 21.9% |
| City Lending Inc. | 25 | 7.125% | $425,000 | 19.4% |
| Charles Schwab Bank, SSB | 25 | 5.700% | $945,000 | 7.1% |
| Kiavi Funding, Inc. | 24 | 10.450% | $460,000 | 4.0% |
| MORTGAGE EQUITY PARTNERS LLC | 24 | 6.625% | $430,000 | 14.3% |
| AMWEST FUNDING CORP. | 24 | 6.875% | $475,000 | 4.0% |
| Capital Bank, National Association | 23 | 6.490% | $395,000 | 8.0% |
| FREEDOM MORTGAGE CORPORATION | 23 | 6.250% | $505,000 | 17.9% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 23 | 6.490% | $535,000 | 0.0% |
| UBS Bank USA | 23 | 5.875% | $1,005,000 | 4.2% |
| Shore United Bank, N.A. | 22 | 6.625% | $700,000 | 8.0% |
| Broker Solutions, Inc. | 22 | 6.563% | $500,000 | 4.4% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 22 | 8.000% | $355,000 | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 21 | 5.625% | $515,000 | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 21 | 6.750% | $435,000 | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 20 | 6.688% | $455,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 19 | 6.490% | $805,000 | 28.0% |
| EVERETT FINANCIAL, INC. | 19 | 6.500% | $345,000 | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 19 | 6.500% | $375,000 | 9.5% |
| IDB Global Federal Credit Union | 19 | 5.625% | $735,000 | 5.0% |
| Tomo Mortgage, LLC | 18 | 6.495% | $625,000 | 10.0% |
| First National Bank of America | 18 | 9.188% | $265,000 | 18.2% |
| BAY CAPITAL MORTGAGE CORPORATION | 18 | 6.375% | $475,000 | 10.0% |
| NEW WAVE LENDING GROUP INC | 18 | 7.125% | $445,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 17 | 6.375% | $695,000 | 22.7% |
| EDUCATIONAL SYSTEMS | 17 | 5.750% | $515,000 | 27.0% |
| PLAZA HOME MORTGAGE, INC. | 17 | 6.750% | $435,000 | 32.0% |
| Sierra Pacific Mortgage Company, Inc. | 17 | 6.500% | $445,000 | 10.5% |
| Paramount Residential Mortgage Group, Inc. | 16 | 6.500% | $435,000 | 5.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.313% | $685,000 | 5.9% |
| JET HOMELOANS, LP | 15 | 6.490% | $555,000 | 5.6% |
| USAA Federal Savings Bank | 15 | 6.375% | $605,000 | 54.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 15 | 6.120% | $625,000 | 5.9% |
| First Federal Bank | 14 | 6.188% | $640,000 | 0.0% |
| NBKC BANK | 14 | 6.625% | $510,000 | 12.5% |
| NATIONAL COOPERATIVE BANK, N.A. | 14 | 6.500% | $160,000 | 0.0% |
| Northpointe Bank | 14 | 6.375% | $325,000 | 0.0% |
| The Freedom Bank of Virginia | 14 | 6.433% | $590,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 13 | 7.375% | $675,000 | 13.3% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.625% | $545,000 | 6.3% |
| GUIDANCE RESIDENTIAL, LLC | 13 | 7.125% | $415,000 | 0.0% |
| Luminate Bank | 13 | 6.500% | $925,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 13 | 6.625% | $555,000 | 18.8% |
| NMSI, INC. | 13 | 6.750% | $445,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 12 | 6.313% | $495,000 | 7.7% |
| ENVOY MORTGAGE, LTD | 11 | 6.500% | $465,000 | 15.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 11 | 6.490% | $295,000 | 8.3% |
| Pinnacle Bank | 11 | 6.000% | $285,000 | 0.0% |
| Citadel Servicing Corporation | 10 | 7.813% | $580,000 | 0.0% |
| Burke & Herbert Bank & Trust Company | 10 | 6.313% | $250,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 10 | 6.625% | $455,000 | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 10 | 6.285% | $545,000 | 9.1% |
| DAS Acquisition Company, LLC | 10 | 6.625% | $555,000 | 0.0% |
| WesBanco Bank, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| State Department Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| EMM LOANS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 8 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Founders Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| OceanFirst Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 56.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 21.4% |
| DHI MORTGAGE COMPANY, LTD. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Mid-Atlantic Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UIF CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MORIA DEVELOPMENT, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYPLUS | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 64.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 30.0% |
| CAPITAL CENTER, L.L.C. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| NASA Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Old Dominion National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SELECT LENDING SERVICES LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Clarke | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 1ST FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MILLENNIUM FINANCIAL GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Trustar Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 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 218 lenders each made 3 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.