Mortgage lenders in St. Mary's County
2,685 mortgages were made in St. Mary's County, Maryland, in 2025, by 266 lenders. The median rate their borrowers got was 6.500% on a median loan of $335,000. Of 3,477 decisions, 672 were denials — 19.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FIRST HOME MORTGAGE CORPORATION | 298 | 6.500% | $385,000 | 1.6% |
| Navy Federal Credit Union | 297 | 7.750% | $135,000 | 23.2% |
| Rocket Mortgage, LLC | 189 | 6.625% | $215,000 | 17.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 110 | 5.932% | $385,000 | 13.6% |
| PENNYMAC LOAN SERVICES, LLC | 93 | 6.125% | $355,000 | 15.2% |
| FREEDOM MORTGAGE CORPORATION | 86 | 6.125% | $405,000 | 5.7% |
| Towne Bank | 72 | 6.375% | $365,000 | 2.7% |
| Mortgage Research Center, LLC | 71 | 6.125% | $435,000 | 27.6% |
| PNC Bank, National Association | 65 | 7.790% | $105,000 | 29.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 55 | 6.625% | $385,000 | 1.8% |
| NEWREZ LLC | 54 | 5.990% | $375,000 | 34.5% |
| Fairway Independent Mortgage Corporation | 54 | 6.625% | $330,000 | 6.9% |
| Shore United Bank, N.A. | 52 | 6.125% | $415,000 | 21.2% |
| Truist Bank | 45 | 6.490% | $105,000 | 34.3% |
| EQUITY RESOURCES, INC. | 40 | 6.313% | $415,000 | 7.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 37 | 6.500% | $375,000 | 0.0% |
| SELECT LENDING SERVICES LLC | 35 | 6.375% | $395,000 | 2.6% |
| TOWER Federal Credit Union | 33 | 7.000% | $125,000 | 29.8% |
| Vellum Mortgage, Inc. | 32 | 6.495% | $395,000 | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 32 | 6.495% | $360,000 | 3.0% |
| Waterstone Mortgage Corporation | 31 | 6.500% | $365,000 | 0.0% |
| Bank of America, National Association | 29 | 6.375% | $125,000 | 43.4% |
| SPRING EQ, LLC | 27 | 10.225% | $75,000 | 46.3% |
| EDUCATIONAL SYSTEMS | 25 | 4.990% | $55,000 | 49.0% |
| WesBanco Bank, Inc. | 23 | 7.240% | $135,000 | 27.3% |
| DHI MORTGAGE COMPANY, LTD. | 21 | 5.990% | $465,000 | 8.7% |
| NFM, INC. | 21 | 6.500% | $415,000 | 4.6% |
| Loandepot.Com, LLC | 20 | 6.250% | $295,000 | 42.9% |
| MERIDIAN BANK | 20 | 6.188% | $355,000 | 0.0% |
| 21st Mortgage Corporation | 18 | 9.190% | $65,000 | 53.8% |
| NATIONSTAR MORTGAGE LLC | 18 | 8.063% | $150,000 | 20.8% |
| CMG MORTGAGE, INC. | 18 | 6.500% | $320,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 17 | 6.490% | $335,000 | 0.0% |
| FIGURE LENDING LLC | 16 | 10.100% | $55,000 | 26.9% |
| GUILD MORTGAGE COMPANY | 16 | 6.188% | $355,000 | 5.6% |
| Presidential Bank, FSB | 16 | 6.563% | $370,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 6.490% | $405,000 | 6.3% |
| LEADERONE FINANCIAL CORPORATION | 15 | 6.250% | $485,000 | 6.3% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 7.625% | $135,000 | 39.1% |
| JPMorgan Chase Bank, National Association | 14 | 6.563% | $280,000 | 6.7% |
| Coastal Community Bank | 13 | 11.740% | $45,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.625% | $425,000 | 6.3% |
| NORTHPOINT MORTGAGE, INC. | 12 | 6.250% | $400,000 | 0.0% |
| Citizens Bank, National Association | 11 | 8.650% | $105,000 | 47.6% |
| AmeriSave Mortgage Corporation | 10 | 7.558% | $130,000 | 65.6% |
| NEW DAY FINANCIAL, LLC | 10 | 6.615% | $455,000 | 26.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 5.813% | $390,000 | 20.0% |
| First Heritage Mortgage, LLC | 10 | 6.250% | $420,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 10 | 6.438% | $425,000 | 9.1% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Manufacturers and Traders Trust Company | 9 | Under 10 loans | Under 10 loans | 52.2% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 35.7% |
| SOUTHERN TRUST MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 63.3% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 30.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NVR Mortgage Finance, Inc. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 65.6% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 64.3% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 5 | Under 10 loans | Under 10 loans | 36.4% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 28.6% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| LENNAR MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Colonial Farm Credit, ACA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Freedom Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Firstrust Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDING CAPITAL GROUP Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SkyPoint Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| APL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orrstown Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AGRICULTURE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Virginia National Bank | 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 66 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in St. Mary's County
13 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| PNC Bank, National Association | 3 | $561.8 million |
| Shore United Bank, National Association | 3 | $538.5 million |
| WesBanco Bank, Inc. | 2 | $289.5 million |
| Truist Bank | 2 | $244.5 million |
| Bank of America, National Association | 1 | $300.1 million |
| Manufacturers and Traders Trust Company | 1 | $64.1 million |
| JPMorgan Chase Bank, National Association | 1 | $22.9 million |
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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. 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.