Mortgage lenders in Charles County
5,144 mortgages were made in Charles County, Maryland, in 2025, by 344 lenders. The median rate their borrowers got was 6.490% on a median loan of $385,000. Of 7,259 decisions, 1,781 were denials — 24.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Navy Federal Credit Union | 422 | 8.200% | $105,000 | 34.4% |
| Rocket Mortgage, LLC | 386 | 6.500% | $275,000 | 19.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 306 | 5.999% | $435,000 | 15.5% |
| LENNAR MORTGAGE, LLC | 274 | 6.125% | $435,000 | 9.6% |
| FREEDOM MORTGAGE CORPORATION | 221 | 5.990% | $465,000 | 8.7% |
| DHI MORTGAGE COMPANY, LTD. | 175 | 5.500% | $445,000 | 15.5% |
| PENNYMAC LOAN SERVICES, LLC | 148 | 6.000% | $365,000 | 23.9% |
| Mortgage Research Center, LLC | 146 | 5.990% | $465,000 | 24.1% |
| FIRST HOME MORTGAGE CORPORATION | 127 | 6.625% | $435,000 | 3.0% |
| Fairway Independent Mortgage Corporation | 126 | 6.625% | $435,000 | 11.3% |
| PNC Bank, National Association | 96 | 7.550% | $105,000 | 29.6% |
| Truist Bank | 82 | 6.613% | $155,000 | 47.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 80 | 6.575% | $415,000 | 4.7% |
| Loandepot.Com, LLC | 77 | 6.250% | $325,000 | 23.8% |
| NFM, INC. | 76 | 6.625% | $405,000 | 2.5% |
| NEWREZ LLC | 73 | 6.250% | $415,000 | 42.1% |
| Towne Bank | 69 | 6.375% | $375,000 | 9.1% |
| First Heritage Mortgage, LLC | 64 | 6.250% | $425,000 | 5.8% |
| WesBanco Bank, Inc. | 57 | 6.500% | $355,000 | 23.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 55 | 6.625% | $415,000 | 3.5% |
| EDUCATIONAL SYSTEMS | 51 | 4.990% | $85,000 | 39.6% |
| NATIONSTAR MORTGAGE LLC | 48 | 8.250% | $105,000 | 14.8% |
| Waterstone Mortgage Corporation | 48 | 6.250% | $385,000 | 2.0% |
| NVR Mortgage Finance, Inc. | 45 | 6.125% | $605,000 | 35.7% |
| Bank of America, National Association | 44 | 6.240% | $155,000 | 57.6% |
| Manufacturers and Traders Trust Company | 42 | 5.990% | $105,000 | 44.9% |
| Shore United Bank, N.A. | 41 | 6.625% | $205,000 | 22.6% |
| CMG MORTGAGE, INC. | 37 | 6.250% | $545,000 | 2.5% |
| SPRING EQ, LLC | 36 | 9.850% | $75,000 | 68.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 35 | 5.750% | $555,000 | 18.4% |
| PENTAGON FEDERAL CREDIT UNION | 35 | 7.375% | $165,000 | 44.4% |
| LOWER, LLC | 35 | 6.625% | $355,000 | 15.6% |
| MOVEMENT MORTGAGE, LLC | 34 | 6.250% | $380,000 | 6.7% |
| EMBRACE HOME LOANS, INC. | 34 | 6.625% | $455,000 | 5.0% |
| Broker Solutions, Inc. | 31 | 6.625% | $395,000 | 24.4% |
| GUILD MORTGAGE COMPANY | 30 | 6.438% | $465,000 | 10.0% |
| MERIDIAN BANK | 30 | 6.250% | $405,000 | 3.2% |
| Coastal Community Bank | 29 | 10.490% | $65,000 | 2.9% |
| JPMorgan Chase Bank, National Association | 29 | 6.375% | $335,000 | 6.3% |
| Ameris Bank | 28 | 6.500% | $445,000 | 9.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 27 | 7.374% | $215,000 | 62.1% |
| JET HOMELOANS, LP | 26 | 6.563% | $575,000 | 3.5% |
| GUARANTEED RATE, INC. | 24 | 6.513% | $430,000 | 17.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 23 | 6.990% | $455,000 | 20.7% |
| Lendage, LLC | 23 | 11.125% | $75,000 | 14.3% |
| AmeriSave Mortgage Corporation | 22 | 8.500% | $80,000 | 65.1% |
| TOWER Federal Credit Union | 22 | 8.370% | $115,000 | 48.8% |
| FIDELITY DIRECT MORTGAGE, LLC | 22 | 6.625% | $410,000 | 12.0% |
| OCMBC, INC. | 21 | 7.499% | $375,000 | 20.6% |
| Citizens Bank, National Association | 21 | 8.400% | $115,000 | 37.1% |
| Kiavi Funding, Inc. | 21 | 9.950% | $235,000 | 22.2% |
| Paramount Residential Mortgage Group, Inc. | 21 | 6.500% | $475,000 | 4.6% |
| Vellum Mortgage, Inc. | 20 | 6.563% | $405,000 | 4.8% |
| U.S. Bank National Association | 19 | 8.150% | $105,000 | 72.1% |
| Equity Prime Mortgage LLC | 19 | 6.375% | $565,000 | 20.8% |
| FIGURE LENDING LLC | 19 | 10.275% | $65,000 | 41.3% |
| BAY CAPITAL MORTGAGE CORPORATION | 19 | 6.375% | $435,000 | 17.4% |
| Prosperity Home Mortgage, LLC | 19 | 6.375% | $385,000 | 0.0% |
| PLANET HOME LENDING, LLC | 18 | 5.625% | $600,000 | 10.0% |
| Atlantic Coast Mortgage, LLC | 17 | 6.250% | $455,000 | 0.0% |
| Wells Fargo Bank, National Association | 16 | 6.438% | $365,000 | 15.8% |
| City Lending Inc. | 16 | 6.750% | $395,000 | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 6.370% | $420,000 | 5.9% |
| First National Bank of Pennsylvania | 15 | 6.500% | $385,000 | 31.8% |
| BAY EQUITY LLC | 15 | 6.750% | $315,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 15 | 6.625% | $365,000 | 6.3% |
| KIND LENDING, LLC | 14 | 7.120% | $440,000 | 48.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.250% | $395,000 | 31.8% |
| ANDREWS FEDERAL CREDIT UNION | 14 | 7.990% | $85,000 | 21.1% |
| Citibank, National Association | 14 | 6.125% | $320,000 | 26.3% |
| BAYSHORE MORTGAGE FUNDING, LLC | 13 | 6.500% | $395,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.125% | $435,000 | 40.0% |
| THE LOAN STORE, INC. | 12 | 6.558% | $285,000 | 12.5% |
| DAS Acquisition Company, LLC | 12 | 6.495% | $480,000 | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 11 | 6.000% | $135,000 | 66.7% |
| Fulton Bank, National Association | 11 | 6.125% | $75,000 | 8.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 11 | 6.250% | $555,000 | 0.0% |
| The Federal Savings Bank | 10 | 6.250% | $575,000 | 33.3% |
| USAA Federal Savings Bank | 10 | 6.313% | $525,000 | 47.4% |
| PHH Mortgage Corporation | 10 | 6.183% | $380,000 | 16.7% |
| GoodLeap, LLC | 10 | 7.925% | $110,000 | 20.0% |
| First Option Mortgage, LLC | 10 | 6.937% | $410,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 43.8% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Northwest Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 30.8% |
| The Dart Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 9 | Under 10 loans | Under 10 loans | 10.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| JUSTICE Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 30.8% |
| Presidential Bank, FSB | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 55.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Capital Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Bank of Clarke | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 55.6% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| EQUITY RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LIBRARY OF CONGRESS | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Transportation Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCE GEORGE'S COMMUNITY | 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% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 73.5% |
| Apple Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Atlantic Union Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 45.5% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| United States Senate Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Armed Forces Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COMMONWEALTH ONE | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NORTHPOINT MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 60.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 28.6% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FEDCHOICE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HomePromise Corporation | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| State Department Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LAFAYETTE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valley West Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 144 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Charles County
18 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Shore United Bank, National Association | 4 | $697.7 million |
| WesBanco Bank, Inc. | 4 | $634.4 million |
| Bank of America, National Association | 2 | $520.9 million |
| PNC Bank, National Association | 2 | $396.7 million |
| Truist Bank | 2 | $390.7 million |
| Wells Fargo Bank, National Association | 2 | $148.8 million |
| Manufacturers and Traders Trust Company | 1 | $119.1 million |
| Burke & Herbert Bank & Trust Company | 1 | $61.2 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- LINKBANK, 115 E. Charles Street, La Plata
Get told when this changes
When the next year’s lending figures are out for Charles 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.