Home purchase lenders in Frederick County
3,568 home purchase mortgages were made in Frederick County, Maryland, in 2025, by 288 lenders. The median rate their borrowers got was 6.500% on a median loan of $425,000. Of 3,952 decisions, 291 were denials — 7.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| NVR Mortgage Finance, Inc. | 230 | 6.500% | $475,000 | 14.2% |
| Rocket Mortgage, LLC | 176 | 6.375% | $405,000 | 5.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 154 | 6.499% | $395,000 | 12.8% |
| NFM, INC. | 108 | 6.750% | $395,000 | 0.9% |
| Towne Bank | 104 | 6.495% | $410,000 | 0.0% |
| Navy Federal Credit Union | 93 | 6.250% | $505,000 | 6.1% |
| First Heritage Mortgage, LLC | 93 | 6.375% | $395,000 | 1.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 89 | 6.575% | $415,000 | 2.2% |
| Atlantic Coast Mortgage, LLC | 82 | 6.490% | $370,000 | 1.1% |
| FIRST HOME MORTGAGE CORPORATION | 73 | 6.750% | $465,000 | 0.0% |
| Truist Bank | 68 | 6.375% | $455,000 | 9.1% |
| Presidential Bank, FSB | 68 | 6.625% | $415,000 | 5.6% |
| DIRECT MORTGAGE LOANS, LLC | 64 | 6.750% | $375,000 | 1.5% |
| CMG MORTGAGE, INC. | 64 | 6.500% | $505,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 58 | 6.625% | $435,000 | 7.9% |
| DHI MORTGAGE COMPANY, LTD. | 53 | 5.625% | $495,000 | 5.4% |
| GUILD MORTGAGE COMPANY | 53 | 6.375% | $425,000 | 1.8% |
| EMBRACE HOME LOANS, INC. | 52 | 6.625% | $420,000 | 1.8% |
| Mortgage Research Center, LLC | 51 | 5.990% | $505,000 | 5.6% |
| GUARANTEED RATE, INC. | 47 | 6.500% | $415,000 | 6.0% |
| ENVOY MORTGAGE, LTD | 45 | 6.625% | $405,000 | 8.2% |
| LENNAR MORTGAGE, LLC | 44 | 6.625% | $435,000 | 8.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 43 | 6.750% | $335,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 42 | 6.625% | $445,000 | 2.2% |
| Shore United Bank, N.A. | 42 | 6.500% | $400,000 | 0.0% |
| Vellum Mortgage, Inc. | 42 | 6.625% | $410,000 | 2.3% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 38 | 6.625% | $435,000 | 20.8% |
| Integrity Home Mortgage Corporation | 38 | 6.875% | $355,000 | 2.4% |
| THE MORTGAGE LINK, INC. | 38 | 6.500% | $395,000 | 0.0% |
| Bank of America, National Association | 35 | 6.375% | $385,000 | 14.6% |
| PENNYMAC LOAN SERVICES, LLC | 34 | 6.125% | $345,000 | 14.6% |
| NEWREZ LLC | 32 | 6.625% | $510,000 | 3.0% |
| Manufacturers and Traders Trust Company | 31 | 5.875% | $435,000 | 8.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 30 | 6.625% | $365,000 | 6.3% |
| PNC Bank, National Association | 29 | 6.250% | $305,000 | 17.1% |
| BAY EQUITY LLC | 28 | 6.750% | $400,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 28 | 6.250% | $445,000 | 9.7% |
| Fairway Independent Mortgage Corporation | 28 | 6.625% | $385,000 | 6.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 24 | 6.375% | $505,000 | 7.1% |
| OriginPoint, LLC | 24 | 5.750% | $450,000 | 0.0% |
| LOWER, LLC | 24 | 6.625% | $440,000 | 11.1% |
| Capital Bank, National Association | 23 | 6.490% | $655,000 | 0.0% |
| Fulton Bank, National Association | 23 | 6.750% | $445,000 | 20.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 23 | 6.625% | $405,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 22 | 6.558% | $370,000 | 4.2% |
| JPMorgan Chase Bank, National Association | 21 | 6.625% | $415,000 | 30.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 21 | 6.125% | $385,000 | 0.0% |
| First National Bank of Pennsylvania | 20 | 6.375% | $785,000 | 4.8% |
| THE LOAN STORE, INC. | 19 | 6.625% | $385,000 | 3.1% |
| Atlantic Union Bank | 19 | 6.625% | $475,000 | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 18 | 6.495% | $350,000 | 5.3% |
| MOVEMENT MORTGAGE, LLC | 17 | 6.250% | $375,000 | 9.5% |
| Broker Solutions, Inc. | 17 | 6.500% | $365,000 | 0.0% |
| MERIDIAN BANK | 17 | 6.624% | $415,000 | 5.6% |
| KIND LENDING, LLC | 16 | 6.875% | $380,000 | 23.8% |
| Wells Fargo Bank, National Association | 16 | 6.563% | $345,000 | 0.0% |
| United Bank | 16 | 6.188% | $415,000 | 11.1% |
| Woodsboro Bank | 16 | Not published | $525,000 | 5.9% |
| KEYSTONE FUNDING, INC. | 15 | 6.625% | $515,000 | 4.4% |
| FIRST SAVINGS MORTGAGE CORPORATION | 15 | 6.375% | $495,000 | 0.0% |
| TOWER Federal Credit Union | 15 | 6.375% | $295,000 | 11.8% |
| FREEDOM MORTGAGE CORPORATION | 15 | 6.125% | $495,000 | 11.8% |
| T2 FINANCIAL LLC | 15 | 6.875% | $355,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 6.125% | $585,000 | 26.3% |
| ACNB Bank | 14 | 6.733% | $350,000 | 5.9% |
| NATIONS DIRECT MORTGAGE, LLC | 14 | 6.625% | $495,000 | 0.0% |
| MDE HOME LOANS, LLC | 14 | 6.375% | $630,000 | 0.0% |
| USAA Federal Savings Bank | 13 | 6.125% | $415,000 | 27.8% |
| Loandepot.Com, LLC | 12 | 5.625% | $580,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 12 | 5.990% | $375,000 | 0.0% |
| United Nations Federal Credit Union | 11 | 6.000% | $365,000 | 8.3% |
| MILLENNIUM FINANCIAL GROUP, INC. | 11 | 6.500% | $295,000 | 0.0% |
| Middletown Valley Bank | 10 | Not published | $440,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 8.3% |
| RESICENTRAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| NYMEO FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Loansteady LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| POINT BREEZE Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 50.0% |
| TOTAL MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 28.6% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EDUCATIONAL SYSTEMS | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers and Merchants Trust Company of Chambersburg | 3 | Under 10 loans | Under 10 loans | 25.0% |
| City Lending Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GO MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST UNITED CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NASA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ABNB Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Service Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Watermark Capital, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orrstown Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 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 88 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.