Mortgage lenders in Howard County
6,671 mortgages were made in Howard County, Maryland, in 2025, by 396 lenders. The median rate their borrowers got was 6.500% on a median loan of $375,000. Of 8,840 decisions, 1,823 were denials — 20.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 477 | 6.500% | $365,000 | 15.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 312 | 6.125% | $485,000 | 11.6% |
| Navy Federal Credit Union | 249 | 7.750% | $155,000 | 28.6% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 222 | 6.000% | $205,000 | 44.5% |
| Truist Bank | 222 | 6.375% | $255,000 | 33.5% |
| TOWER Federal Credit Union | 218 | 7.000% | $220,000 | 25.4% |
| Bank of America, National Association | 199 | 6.125% | $205,000 | 39.2% |
| Manufacturers and Traders Trust Company | 167 | 5.990% | $205,000 | 29.5% |
| FIRST HOME MORTGAGE CORPORATION | 164 | 6.625% | $465,000 | 1.8% |
| NVR Mortgage Finance, Inc. | 154 | 6.438% | $545,000 | 9.9% |
| APL Federal Credit Union | 147 | 7.500% | $95,000 | 2.7% |
| PENNYMAC LOAN SERVICES, LLC | 137 | 6.375% | $415,000 | 14.9% |
| First National Bank of Pennsylvania | 137 | 6.375% | $455,000 | 30.5% |
| PNC Bank, National Association | 132 | 7.800% | $155,000 | 28.6% |
| Prosperity Home Mortgage, LLC | 120 | 6.625% | $470,000 | 4.0% |
| Fulton Bank, National Association | 101 | 6.490% | $255,000 | 15.3% |
| NEWREZ LLC | 99 | 6.500% | $445,000 | 20.8% |
| Towne Bank | 97 | 6.490% | $405,000 | 4.9% |
| Atlantic Union Bank | 93 | 6.750% | $205,000 | 19.7% |
| JPMorgan Chase Bank, National Association | 87 | 6.375% | $515,000 | 7.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 76 | 6.625% | $500,000 | 7.2% |
| FREEDOM MORTGAGE CORPORATION | 68 | 6.125% | $485,000 | 13.5% |
| NFM, INC. | 64 | 6.495% | $455,000 | 4.5% |
| NATIONSTAR MORTGAGE LLC | 60 | 7.313% | $175,000 | 17.3% |
| Fairway Independent Mortgage Corporation | 58 | 6.625% | $490,000 | 4.9% |
| PENTAGON FEDERAL CREDIT UNION | 55 | 7.625% | $175,000 | 43.9% |
| EMBRACE HOME LOANS, INC. | 55 | 6.625% | $455,000 | 4.5% |
| MERIDIAN BANK | 55 | 6.490% | $505,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 50 | 6.625% | $450,000 | 5.7% |
| SPRING EQ, LLC | 49 | 9.575% | $105,000 | 62.0% |
| GUARANTEED RATE AFFINITY, LLC | 49 | 6.575% | $545,000 | 2.0% |
| Wells Fargo Bank, National Association | 48 | 6.313% | $415,000 | 9.4% |
| GUARANTEED RATE, INC. | 47 | 6.375% | $555,000 | 4.1% |
| Citizens Bank, National Association | 47 | 8.400% | $235,000 | 33.8% |
| GUILD MORTGAGE COMPANY | 47 | 6.500% | $445,000 | 5.6% |
| DIRECT MORTGAGE LOANS, LLC | 47 | 6.625% | $455,000 | 1.8% |
| SWBC MORTGAGE CORPORATION | 45 | 6.625% | $485,000 | 6.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 44 | 6.250% | $565,000 | 8.3% |
| Loandepot.Com, LLC | 43 | 6.750% | $335,000 | 26.6% |
| TD Bank, National Association | 41 | 7.190% | $305,000 | 28.1% |
| CMG MORTGAGE, INC. | 41 | 6.500% | $395,000 | 4.4% |
| OriginPoint, LLC | 37 | 6.375% | $565,000 | 0.0% |
| Mortgage Research Center, LLC | 34 | 5.990% | $450,000 | 41.4% |
| BAY CAPITAL MORTGAGE CORPORATION | 34 | 6.438% | $420,000 | 5.6% |
| First Heritage Mortgage, LLC | 32 | 6.375% | $560,000 | 0.0% |
| NASA Federal Credit Union | 32 | 7.250% | $140,000 | 2.4% |
| EDUCATIONAL SYSTEMS | 31 | 4.990% | $145,000 | 26.1% |
| THE LOAN STORE, INC. | 31 | 6.625% | $415,000 | 7.1% |
| Coastal Community Bank | 30 | 10.240% | $100,000 | 0.0% |
| Presidential Bank, FSB | 30 | 6.500% | $430,000 | 3.2% |
| Broker Solutions, Inc. | 29 | 6.990% | $445,000 | 22.5% |
| Shore United Bank, N.A. | 29 | 6.313% | $725,000 | 12.1% |
| U.S. Bank National Association | 28 | 7.313% | $300,000 | 40.0% |
| BAY EQUITY LLC | 28 | 6.563% | $505,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 26 | 8.125% | $130,000 | 20.6% |
| WesBanco Bank, Inc. | 26 | 6.625% | $790,000 | 29.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 26 | 6.000% | $555,000 | 6.9% |
| LOWER, LLC | 26 | 6.125% | $405,000 | 3.6% |
| FIGURE LENDING LLC | 25 | 8.550% | $75,000 | 38.5% |
| UNION HOME MORTGAGE CORP. | 25 | 6.625% | $415,000 | 13.8% |
| Vellum Mortgage, Inc. | 24 | 6.562% | $485,000 | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 23 | 5.500% | $575,000 | 8.0% |
| OCMBC, INC. | 23 | 7.750% | $365,000 | 12.5% |
| Atlantic Coast Mortgage, LLC | 23 | 6.490% | $505,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 22 | 6.438% | $690,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 22 | 6.500% | $410,000 | 4.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 21 | 5.880% | $505,000 | 7.1% |
| Third Federal Savings and Loan Association of Cleveland | 20 | 6.990% | $145,000 | 20.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 20 | 6.375% | $500,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 19 | 8.500% | $245,000 | 48.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 19 | 6.750% | $535,000 | 4.6% |
| CHURCHILL MORTGAGE CORPORATION | 19 | 6.250% | $485,000 | 0.0% |
| EMET LENDING GROUP, INC. | 19 | 6.750% | $425,000 | 0.0% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 19 | 5.000% | $105,000 | 5.0% |
| AmeriSave Mortgage Corporation | 18 | 8.063% | $120,000 | 69.5% |
| MOVEMENT MORTGAGE, LLC | 17 | 6.250% | $415,000 | 9.5% |
| KIND LENDING, LLC | 17 | 6.500% | $405,000 | 34.5% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 17 | Not published | $185,000 | 9.5% |
| EQUITY RESOURCES, INC. | 17 | 6.625% | $425,000 | 5.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 17 | 9.290% | $295,000 | 5.6% |
| FEDERATED MORTGAGE CORP. | 17 | 6.375% | $575,000 | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 16 | 6.438% | $495,000 | 11.1% |
| GoodLeap, LLC | 15 | 8.150% | $55,000 | 25.0% |
| Lendage, LLC | 15 | 10.500% | $85,000 | 18.2% |
| POINT BREEZE Credit Union | 15 | 5.500% | $215,000 | 0.0% |
| Ameris Bank | 14 | 6.490% | $445,000 | 12.5% |
| GUIDANCE RESIDENTIAL, LLC | 14 | 6.500% | $455,000 | 0.0% |
| Dollar Bank, Federal Savings Bank | 14 | 6.438% | $995,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 14 | 5.950% | $550,000 | 0.0% |
| T2 FINANCIAL LLC | 14 | 6.500% | $520,000 | 0.0% |
| USAA Federal Savings Bank | 13 | 6.375% | $615,000 | 18.8% |
| A&D Mortgage LLC | 13 | 6.375% | $425,000 | 23.5% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 13 | 5.240% | $155,000 | 11.8% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 13 | Not published | $445,000 | 13.3% |
| DAS Acquisition Company, LLC | 13 | 6.490% | $475,000 | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 13 | 6.625% | $515,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 5.490% | $530,000 | 58.9% |
| Sierra Pacific Mortgage Company, Inc. | 12 | 6.313% | $510,000 | 20.0% |
| United Nations Federal Credit Union | 12 | 5.500% | $740,000 | 7.7% |
| 21st Mortgage Corporation | 11 | 10.170% | $125,000 | 78.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 6.375% | $495,000 | 6.3% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.500% | $445,000 | 8.3% |
| Orrstown Bank | 11 | 4.350% | $415,000 | 8.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 6.875% | $395,000 | 8.3% |
| United Bank | 11 | 6.125% | $605,000 | 0.0% |
| NMSI, INC. | 11 | 6.625% | $535,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.375% | $370,000 | 56.7% |
| NBKC BANK | 10 | 6.000% | $610,000 | 23.1% |
| Pinnacle Bank | 10 | 6.063% | $185,000 | 23.1% |
| Bank-Fund Staff Federal Credit Union | 10 | 6.813% | $190,000 | 16.7% |
| SECURITYPLUS | 10 | 5.500% | $590,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| DIGITAL | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 15.4% |
| LAFAYETTE FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEW WAVE LENDING GROUP INC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 51.5% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 10.0% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NORTHROP GRUMMAN Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 8 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| INTERCOASTAL MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 25.0% |
| Capital Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| THE MORTGAGE LINK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| EMM LOANS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ABNB Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AAA CAPITAL INVESTMENT, INC. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERITRUST MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Service Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOTAL MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Arundel Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 53.8% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VAN DYK MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KWIK MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LANGLEY Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Northwest Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 16.7% |
| UIF CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| INSTAMORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Apple Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| IVY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Rosedale Federal Savings and Loan Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENNAR MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 20.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 196 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Howard County
54 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bank of America, National Association | 8 | $2.4 billion |
| Manufacturers and Traders Trust Company | 7 | $1.1 billion |
| PNC Bank, National Association | 6 | $947.1 million |
| JPMorgan Chase Bank, National Association | 6 | $325.9 million |
| Truist Bank | 5 | $723.0 million |
| Atlantic Union Bank | 4 | $1.0 billion |
| Fulton Bank, National Association | 4 | $727.4 million |
| Wells Fargo Bank, National Association | 3 | $724.8 million |
| Capital One, National Association | 2 | $521.8 million |
| First National Bank of Pennsylvania | 2 | $347.1 million |
| Capital Bank, National Association | 1 | $199.4 million |
| Pinnacle Bank | 1 | $133.9 million |
| Woori America Bank | 1 | $77.4 million |
| Orrstown Bank | 1 | $70.0 million |
| Shore United Bank, National Association | 1 | $67.0 million |
| First-Citizens Bank & Trust Company | 1 | $53.0 million |
| Eastern Savings Bank, FSB | 1 | $41.9 million |
Get told when this changes
When the next year’s lending figures are out for Howard County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.