Home purchase lenders in Washington County
1,559 home purchase mortgages were made in Washington County, Maryland, in 2025, by 253 lenders. The median rate their borrowers got was 6.625% on a median loan of $285,000. Of 1,855 decisions, 229 were denials — 12.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 82 | 6.495% | $295,000 | 16.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 76 | 6.500% | $290,000 | 9.5% |
| Integrity Home Mortgage Corporation | 61 | 6.625% | $245,000 | 5.4% |
| FIRST HOME MORTGAGE CORPORATION | 54 | 6.750% | $295,000 | 0.0% |
| CNB Bank, Inc. | 54 | Not published | $270,000 | 3.6% |
| NFM, INC. | 35 | 6.750% | $285,000 | 5.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 33 | 6.875% | $265,000 | 5.7% |
| Towne Bank | 33 | 6.625% | $305,000 | 2.9% |
| MILLENNIUM FINANCIAL GROUP, INC. | 32 | 6.500% | $265,000 | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 31 | 6.500% | $265,000 | 2.9% |
| Presidential Bank, FSB | 29 | 6.625% | $315,000 | 3.3% |
| CMG MORTGAGE, INC. | 29 | 6.375% | $335,000 | 0.0% |
| Mortgage Research Center, LLC | 27 | 6.250% | $325,000 | 15.6% |
| Navy Federal Credit Union | 27 | 6.500% | $335,000 | 18.2% |
| EMBRACE HOME LOANS, INC. | 27 | 6.625% | $265,000 | 3.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 26 | 6.750% | $220,000 | 7.1% |
| Truist Bank | 25 | 6.440% | $255,000 | 13.8% |
| Shore United Bank, N.A. | 24 | 6.563% | $275,000 | 7.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 24 | 6.688% | $280,000 | 14.3% |
| Prosperity Home Mortgage, LLC | 24 | 6.563% | $340,000 | 17.2% |
| GUARANTEED RATE, INC. | 24 | 6.513% | $360,000 | 4.0% |
| GUILD MORTGAGE COMPANY | 23 | 6.500% | $275,000 | 8.0% |
| PENNYMAC LOAN SERVICES, LLC | 21 | 6.500% | $325,000 | 19.2% |
| United Bank | 21 | 8.250% | $255,000 | 22.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 20 | 6.688% | $280,000 | 0.0% |
| NEWREZ LLC | 19 | 6.625% | $255,000 | 20.8% |
| Broker Solutions, Inc. | 18 | 6.500% | $250,000 | 5.3% |
| NVR Mortgage Finance, Inc. | 18 | 6.188% | $335,000 | 14.3% |
| Manufacturers and Traders Trust Company | 17 | 6.375% | $255,000 | 30.8% |
| Atlantic Coast Mortgage, LLC | 17 | 6.490% | $305,000 | 5.3% |
| Fairway Independent Mortgage Corporation | 17 | 6.990% | $295,000 | 0.0% |
| Fulton Bank, National Association | 16 | 6.625% | $205,000 | 11.1% |
| HOMEAMERICAN MORTGAGE CORPORATION | 15 | 5.500% | $485,000 | 13.0% |
| First Heritage Mortgage, LLC | 14 | 6.433% | $335,000 | 12.5% |
| BAY CAPITAL MORTGAGE CORPORATION | 14 | 6.188% | $255,000 | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 14 | 6.250% | $260,000 | 12.5% |
| Middletown Valley Bank | 13 | Not published | $275,000 | 7.1% |
| PNC Bank, National Association | 12 | 6.625% | $220,000 | 14.3% |
| THE LOAN STORE, INC. | 12 | 6.558% | $330,000 | 7.7% |
| MERIDIAN BANK | 11 | 6.250% | $235,000 | 0.0% |
| THE MORTGAGE LINK, INC. | 11 | 6.625% | $305,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 10 | 5.990% | $420,000 | 16.7% |
| 254900CTT87ZKAUTIJ37 | 10 | 8.063% | $165,000 | 9.1% |
| ENVOY MORTGAGE, LTD | 10 | 6.125% | $335,000 | 9.1% |
| BAY EQUITY LLC | 10 | 6.490% | $315,000 | 9.1% |
| T2 FINANCIAL LLC | 10 | 6.813% | $300,000 | 0.0% |
| City Lending Inc. | 9 | Under 10 loans | Under 10 loans | 13.3% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Atlantic Union Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| PATRIOT | 7 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ACNB Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Trust Company of Chambersburg | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Orrstown Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 14.3% |
| MORTGAGE EQUITY PARTNERS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Homesale Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 21.7% |
| FIRST UNITED CORPORATION | 3 | Under 10 loans | Under 10 loans | 28.6% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Jefferson Security Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 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% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Woodsboro Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Romney | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 88.2% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 77.8% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Charles Town | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 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% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriServ Financial Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 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% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Clarke | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grandbridge Real Estate Capital LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmRes Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300A6NF3MQMOHKJ20 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 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 53 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.