Mortgage lenders in Washington County
3,278 mortgages were made in Washington County, Maryland, in 2025, by 338 lenders. The median rate their borrowers got was 6.625% on a median loan of $225,000. Of 4,561 decisions, 1,067 were denials — 23.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 269 | 6.750% | $205,000 | 19.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 179 | 6.125% | $295,000 | 15.4% |
| Manufacturers and Traders Trust Company | 167 | 5.990% | $105,000 | 26.3% |
| Truist Bank | 121 | 6.800% | $105,000 | 38.1% |
| PENNYMAC LOAN SERVICES, LLC | 104 | 6.562% | $245,000 | 16.4% |
| PATRIOT | 104 | 4.990% | $65,000 | 28.1% |
| PNC Bank, National Association | 89 | 7.840% | $105,000 | 41.6% |
| Navy Federal Credit Union | 72 | 7.700% | $155,000 | 38.5% |
| FREEDOM MORTGAGE CORPORATION | 69 | 6.250% | $285,000 | 9.3% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 68 | 6.250% | $105,000 | 37.6% |
| Integrity Home Mortgage Corporation | 65 | 6.625% | $245,000 | 5.1% |
| Fulton Bank, National Association | 62 | 6.490% | $85,000 | 27.6% |
| CNB Bank, Inc. | 61 | Not published | $265,000 | 10.3% |
| NEWREZ LLC | 60 | 6.750% | $225,000 | 38.0% |
| FIRST HOME MORTGAGE CORPORATION | 57 | 6.750% | $295,000 | 1.7% |
| NATIONSTAR MORTGAGE LLC | 49 | 8.500% | $85,000 | 10.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 48 | 6.625% | $265,000 | 11.1% |
| NFM, INC. | 39 | 6.750% | $305,000 | 4.9% |
| MILLENNIUM FINANCIAL GROUP, INC. | 38 | 6.500% | $275,000 | 5.0% |
| DIRECT MORTGAGE LOANS, LLC | 37 | 6.625% | $295,000 | 2.5% |
| Towne Bank | 35 | 6.625% | $305,000 | 2.7% |
| Mortgage Research Center, LLC | 34 | 6.188% | $375,000 | 28.0% |
| GUARANTEED RATE, INC. | 33 | 6.525% | $325,000 | 8.3% |
| United Bank | 33 | 7.350% | $205,000 | 25.0% |
| CMG MORTGAGE, INC. | 33 | 6.375% | $355,000 | 2.7% |
| Presidential Bank, FSB | 32 | 6.625% | $330,000 | 3.0% |
| GUILD MORTGAGE COMPANY | 30 | 6.625% | $260,000 | 6.1% |
| Broker Solutions, Inc. | 29 | 6.500% | $255,000 | 30.2% |
| EMBRACE HOME LOANS, INC. | 29 | 6.625% | $275,000 | 3.3% |
| Loandepot.Com, LLC | 27 | 6.375% | $185,000 | 27.5% |
| Prosperity Home Mortgage, LLC | 26 | 6.500% | $335,000 | 21.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 26 | 6.750% | $220,000 | 7.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 25 | 6.625% | $275,000 | 16.7% |
| Shore United Bank, N.A. | 24 | 6.563% | $275,000 | 7.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 22 | 6.625% | $280,000 | 8.3% |
| Coastal Community Bank | 21 | 10.990% | $45,000 | 0.0% |
| SPRING EQ, LLC | 19 | 9.475% | $75,000 | 58.3% |
| FIGURE LENDING LLC | 19 | 9.000% | $35,000 | 24.2% |
| Orrstown Bank | 19 | 3.240% | $155,000 | 17.4% |
| ACNB Bank | 18 | 7.024% | $220,000 | 16.7% |
| Fairway Independent Mortgage Corporation | 18 | 6.933% | $295,000 | 0.0% |
| NVR Mortgage Finance, Inc. | 18 | 6.188% | $335,000 | 14.3% |
| Atlantic Coast Mortgage, LLC | 18 | 6.490% | $305,000 | 5.0% |
| Middletown Valley Bank | 17 | Not published | $275,000 | 5.6% |
| First Heritage Mortgage, LLC | 16 | 6.433% | $330,000 | 15.8% |
| HOMEAMERICAN MORTGAGE CORPORATION | 15 | 5.500% | $485,000 | 13.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 15 | 6.250% | $255,000 | 0.0% |
| THE LOAN STORE, INC. | 15 | 6.625% | $325,000 | 16.7% |
| Farmers and Merchants Trust Company of Chambersburg | 15 | 6.250% | $175,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.375% | $235,000 | 46.4% |
| Citizens Bank, National Association | 14 | 8.025% | $110,000 | 40.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.188% | $220,000 | 46.2% |
| OCMBC, INC. | 14 | 7.625% | $205,000 | 11.1% |
| Bank of America, National Association | 13 | 6.490% | $145,000 | 64.9% |
| AmeriSave Mortgage Corporation | 13 | 8.000% | $65,000 | 71.1% |
| TOWER Federal Credit Union | 13 | 7.000% | $105,000 | 18.8% |
| Lendage, LLC | 13 | 11.500% | $55,000 | 12.5% |
| MERIDIAN BANK | 12 | 6.250% | $235,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 12 | 6.813% | $315,000 | 7.1% |
| 254900CTT87ZKAUTIJ37 | 12 | 7.933% | $165,000 | 7.7% |
| LOWER, LLC | 11 | 6.500% | $215,000 | 21.4% |
| Wells Fargo Bank, National Association | 11 | 6.375% | $215,000 | 21.4% |
| Atlantic Union Bank | 11 | 6.990% | $195,000 | 15.4% |
| PLANET HOME LENDING, LLC | 11 | 6.000% | $235,000 | 26.7% |
| THE MORTGAGE LINK, INC. | 11 | 6.625% | $305,000 | 0.0% |
| BAY EQUITY LLC | 11 | 6.490% | $315,000 | 8.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 5.750% | $370,000 | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.250% | $245,000 | 7.1% |
| DHI MORTGAGE COMPANY, LTD. | 10 | 5.990% | $420,000 | 16.7% |
| SWBC MORTGAGE CORPORATION | 10 | 6.813% | $310,000 | 7.7% |
| ENVOY MORTGAGE, LTD | 10 | 6.125% | $335,000 | 9.1% |
| T2 FINANCIAL LLC | 10 | 6.813% | $300,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 21.4% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 43.8% |
| City Lending Inc. | 9 | Under 10 loans | Under 10 loans | 13.3% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 28.6% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 8.3% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| BPL MORTGAGE TRUST, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Vellum Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 72.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 9.1% |
| CORNING CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 27.3% |
| ZILLOW HOME LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 12.5% |
| OriginPoint, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| FIRST UNITED CORPORATION | 5 | Under 10 loans | Under 10 loans | 22.2% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 37.5% |
| First National Bank of Pennsylvania | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bank of Charles Town | 5 | Under 10 loans | Under 10 loans | 37.5% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Woodsboro Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Homesale Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriServ Financial Bank | 4 | Under 10 loans | Under 10 loans | 63.6% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Park Lane Finance Solutions, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Jefferson Security Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Alcova Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Romney | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 21.7% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 70.0% |
| EDUCATIONAL SYSTEMS | 3 | Under 10 loans | Under 10 loans | 62.5% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NYMEO FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Freedom Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 88.2% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 73.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS 1ST | 2 | Under 10 loans | Under 10 loans | 50.0% |
| WesBanco Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Easy Street Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| APL Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private 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% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Mid-Atlantic Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LANGLEY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 138 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Washington County
40 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Manufacturers and Traders Trust Company | 9 | $577.9 million |
| Truist Bank | 5 | $544.7 million |
| First United Bank & Trust | 5 | $193.0 million |
| Fulton Bank, National Association | 4 | $629.4 million |
| CNB Bank, Inc. | 4 | $178.4 million |
| Middletown Valley Bank | 3 | $596.1 million |
| PNC Bank, National Association | 3 | $371.6 million |
| United Bank | 2 | $128.5 million |
| Orrstown Bank | 1 | $77.9 million |
| Farmers and Merchants Trust Company of Chambersburg | 1 | $50.8 million |
| Potomac Bank | 1 | $30.4 million |
| Ameriserv Financial Bank | 1 | $25.6 million |
| Jefferson Security Bank | 1 | $6.4 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- CNB Bank, Inc., 1591 Potomac Ave, Hagerstown
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When the next year’s lending figures are out for Washington County, or a lender arrives or leaves.
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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.