Mortgage lenders in Talbot County
907 mortgages were made in Talbot County, Maryland, in 2025, by 207 lenders. The median rate their borrowers got was 6.750% on a median loan of $295,000. Of 1,166 decisions, 220 were denials — 18.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Shore United Bank, N.A. | 122 | 6.875% | $200,000 | 18.0% |
| Rocket Mortgage, LLC | 66 | 6.933% | $220,000 | 9.5% |
| BAY CAPITAL MORTGAGE CORPORATION | 41 | 6.625% | $405,000 | 6.8% |
| PNC Bank, National Association | 38 | 7.285% | $105,000 | 35.5% |
| FIRST HOME MORTGAGE CORPORATION | 34 | 6.688% | $380,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 32 | 6.249% | $370,000 | 15.0% |
| Bank of America, National Association | 25 | 6.250% | $155,000 | 30.6% |
| Truist Bank | 19 | 6.350% | $205,000 | 23.3% |
| NFM, INC. | 19 | 6.750% | $355,000 | 0.0% |
| Navy Federal Credit Union | 18 | 7.575% | $155,000 | 35.7% |
| Manufacturers and Traders Trust Company | 16 | 5.990% | $110,000 | 38.5% |
| NATIONSTAR MORTGAGE LLC | 16 | 9.000% | $75,000 | 5.9% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 15 | 6.375% | $85,000 | 44.4% |
| Loandepot.Com, LLC | 15 | 6.875% | $465,000 | 28.6% |
| LENNAR MORTGAGE, LLC | 15 | 6.125% | $305,000 | 15.8% |
| GUARANTEED RATE, INC. | 13 | 6.500% | $375,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 12 | 8.750% | $90,000 | 13.3% |
| TOWER Federal Credit Union | 12 | 7.000% | $255,000 | 0.0% |
| Citizens Bank, National Association | 11 | 8.650% | $205,000 | 38.9% |
| Towne Bank | 11 | 6.625% | $335,000 | 0.0% |
| The Queenstown Bank of Maryland | 10 | Not published | $410,000 | 8.3% |
| FIGURE LENDING LLC | 9 | Under 10 loans | Under 10 loans | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 21.4% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| EDUCATIONAL SYSTEMS | 7 | Under 10 loans | Under 10 loans | 46.2% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BayVanguard Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 33.3% |
| DAS Acquisition Company, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Fulton Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 5 | Under 10 loans | Under 10 loans | 16.7% |
| WesBanco Bank, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Atlantic Union Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NASA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Shore Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hebron Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Harford Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| APL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Calvin B. Taylor Banking Company of Berlin, Maryland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| John Marshall Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHILADELPHIA FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS 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% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 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% |
| United Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arundel Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYPLUS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Virginia National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BALTIMORE COUNTY EMPLOYEES | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | Not published |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RELIANCE FIRST CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| S&T Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AAFMAA Mortgage Services LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| Apple Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Orrstown Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Liberty | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FUNDLOANS CAPITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NORTHPOINT MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HARTFORD FUNDING, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GoodLeap, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Firstrust Savings Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 7 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Talbot County
14 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 | $1.1 billion |
| Manufacturers and Traders Trust Company | 2 | $109.0 million |
| BayVanguard Bank | 2 | $101.7 million |
| Burke & Herbert Bank & Trust Company | 2 | $88.4 million |
| Bank of America, National Association | 1 | $292.1 million |
| PNC Bank, National Association | 1 | $190.3 million |
| Truist Bank | 1 | $114.1 million |
| The Queenstown Bank of Maryland | 1 | $53.3 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- BayVanguard Bank, 104 Factory St, Oxford
- The Peoples Bank, 204 N Washington St, Easton
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When the next year’s lending figures are out for Talbot 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.