Refinancing lenders in Montgomery County
2,721 refinancing mortgages were made in Montgomery County, Maryland, in 2025, by 310 lenders. The median rate their borrowers got was 6.124% on a median loan of $475,000. Of 3,675 decisions, 779 were denials — 21.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Truist Bank | 234 | 6.315% | $255,000 | 31.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 212 | 5.794% | $560,000 | 16.0% |
| Rocket Mortgage, LLC | 205 | 5.990% | $465,000 | 20.7% |
| PNC Bank, National Association | 125 | 8.180% | $195,000 | 22.8% |
| Manufacturers and Traders Trust Company | 114 | 5.990% | $455,000 | 18.5% |
| Bank of America, National Association | 100 | 5.990% | $285,000 | 32.7% |
| FREEDOM MORTGAGE CORPORATION | 87 | 6.125% | $525,000 | 4.4% |
| PENNYMAC LOAN SERVICES, LLC | 71 | 5.750% | $525,000 | 18.4% |
| First National Bank of Pennsylvania | 60 | 6.245% | $320,000 | 23.8% |
| NEWREZ LLC | 52 | 5.875% | $565,000 | 32.1% |
| TD Bank, National Association | 52 | 7.440% | $400,000 | 24.3% |
| JPMorgan Chase Bank, National Association | 48 | 6.125% | $595,000 | 12.7% |
| Citizens Bank, National Association | 45 | 8.400% | $225,000 | 37.7% |
| GUARANTEED RATE, INC. | 41 | 6.075% | $745,000 | 8.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 41 | 6.125% | $715,000 | 2.3% |
| FIRST SAVINGS MORTGAGE CORPORATION | 38 | 6.500% | $575,000 | 0.0% |
| United Bank | 33 | 6.250% | $515,000 | 17.1% |
| Third Federal Savings and Loan Association of Cleveland | 32 | 6.990% | $205,000 | 22.7% |
| PENTAGON FEDERAL CREDIT UNION | 30 | 7.875% | $235,000 | 45.6% |
| NATIONSTAR MORTGAGE LLC | 29 | 6.125% | $505,000 | 17.1% |
| First Heritage Mortgage, LLC | 27 | 6.125% | $485,000 | 3.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 26 | 5.990% | $485,000 | 13.3% |
| EMBRACE HOME LOANS, INC. | 25 | 6.375% | $605,000 | 18.8% |
| EDUCATIONAL SYSTEMS | 24 | 4.933% | $235,000 | 49.0% |
| Prosperity Home Mortgage, LLC | 24 | 6.313% | $540,000 | 22.6% |
| U.S. Bank National Association | 24 | 6.125% | $685,000 | 17.2% |
| FIDELITY DIRECT MORTGAGE, LLC | 23 | 6.375% | $375,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 21 | 5.870% | $535,000 | 22.2% |
| Navy Federal Credit Union | 20 | 6.125% | $410,000 | 20.0% |
| Atlantic Union Bank | 20 | 7.000% | $180,000 | 20.0% |
| Atlantic Coast Mortgage, LLC | 20 | 6.188% | $380,000 | 4.2% |
| FIRST HOME MORTGAGE CORPORATION | 20 | 6.375% | $510,000 | 0.0% |
| Loandepot.Com, LLC | 20 | 5.433% | $605,000 | 13.0% |
| Citibank, National Association | 19 | 5.750% | $985,000 | 5.0% |
| PHH Mortgage Corporation | 16 | 5.500% | $605,000 | 19.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 15 | 6.000% | $495,000 | 6.3% |
| Towne Bank | 15 | 6.125% | $535,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 14 | 6.313% | $740,000 | 6.7% |
| NFM, INC. | 14 | 6.125% | $400,000 | 0.0% |
| NASA Federal Credit Union | 13 | 7.250% | $215,000 | 6.3% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 12 | 5.688% | $1,010,000 | 47.8% |
| A&D Mortgage LLC | 12 | 6.058% | $435,000 | 7.7% |
| Fulton Bank, National Association | 12 | 6.490% | $295,000 | 7.7% |
| Vellum Mortgage, Inc. | 12 | 6.250% | $595,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 11 | 5.750% | $745,000 | 8.0% |
| Wells Fargo Bank, National Association | 11 | 5.750% | $595,000 | 21.4% |
| LOWER, LLC | 11 | 6.000% | $625,000 | 8.3% |
| Mid-Atlantic Federal Credit Union | 11 | 6.000% | $275,000 | 21.4% |
| Charles Schwab Bank, SSB | 11 | 5.750% | $835,000 | 0.0% |
| Broker Solutions, Inc. | 10 | 6.125% | $675,000 | 28.6% |
| BETTER MORTGAGE CORPORATION | 10 | 6.250% | $685,000 | 44.4% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 10 | 5.375% | $660,000 | 16.7% |
| United Nations Federal Credit Union | 10 | 5.500% | $740,000 | 16.7% |
| CMG MORTGAGE, INC. | 10 | 6.125% | $670,000 | 0.0% |
| Northpointe Bank | 10 | 6.125% | $645,000 | 9.1% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 58.7% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 8 | Under 10 loans | Under 10 loans | 61.9% |
| Bank-Fund Staff Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 57.9% |
| Capital Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 20.0% |
| SWBC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| State Department Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 12.5% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Presidential Bank, FSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 62.5% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EQUITY RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AAA CAPITAL INVESTMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| WesBanco Bank, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYPLUS | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 69.2% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SkyPoint Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Aurora Financial, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IDB Global Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NYMEO FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PATRIOT | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arundel Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HARTFORD FUNDING, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 20.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INSTAMORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 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 110 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.