Maryland · HMDA 2025
Mortgage lenders in Caroline County, MD
186 lenders reported 1,562 home-loan applications in Caroline County in 2025. 748 closed as loans ($165.1M), 282 were denied — a 26.3% denial rate on decided applications, above the Maryland rate of 23.9%. The three most active lenders handled 17% of applications, led by PENNYMAC LOAN SERVICES, LLC. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,562
- Loans originated
- 748
- Purchase / refinance
- 361 / 245
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Caroline County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PENNYMAC LOAN SERVICES, LLC | 105 | 6.7% | — |
| 2 | Rocket Mortgage, LLC | 85 | 5.4% | — |
| 3 | DHI MORTGAGE COMPANY, LTD. | 69 | 4.4% | — |
| 4 | Shore United Bank, N.A. 61 out of 100, Moderate | 69 | 4.4% | 16.7% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 62 | 4.0% | — |
| 6 | NEWREZ LLC | 57 | 3.6% | — |
| 7 | PNC Bank, National Association 62 out of 100, Moderate | 51 | 3.3% | 33.8% |
| 8 | Truist Bank 63 out of 100, Moderate | 45 | 2.9% | 40.8% |
| 9 | NFM, INC. | 44 | 2.8% | — |
| 10 | FIRST HOME MORTGAGE CORPORATION | 42 | 2.7% | — |
| 11 | Navy Federal Credit Union 66 out of 100, Moderate | 41 | 2.6% | 32.9% |
| 12 | FREEDOM MORTGAGE CORPORATION | 36 | 2.3% | — |
| 13 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 36 | 2.3% | 32.9% |
| 14 | VANDERBILT MORTGAGE AND FINANCE, INC. | 32 | 2.0% | — |
| 15 | U.S. Bank National Association 55 out of 100, Moderate | 32 | 2.0% | 39.5% |
| 16 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 24 | 1.5% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 23 | 1.5% | — |
| 18 | Loandepot.Com, LLC | 22 | 1.4% | — |
| 19 | FIGURE LENDING LLC | 22 | 1.4% | — |
| 20 | SPRING EQ, LLC | 21 | 1.3% | — |
| 21 | AmeriSave Mortgage Corporation | 19 | 1.2% | — |
| 22 | Coastal Community Bank 35 out of 100, Low | 19 | 1.2% | 3.0% |
| 23 | Mortgage Research Center, LLC | 17 | 1.1% | — |
| 24 | BAY CAPITAL MORTGAGE CORPORATION | 16 | 1.0% | — |
| 25 | Burke & Herbert Bank & Trust Company 65 out of 100, Moderate | 16 | 1.0% | 15.9% |
| 26 | Broker Solutions, Inc. | 14 | 0.9% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 14 | 0.9% | 44.7% |
| 28 | TIDEWATER MORTGAGE SERVICES, INC. | 14 | 0.9% | — |
| 29 | CMG MORTGAGE, INC. | 13 | 0.8% | — |
| 30 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 13 | 0.8% | 14.1% |
| 31 | MOVEMENT MORTGAGE, LLC | 13 | 0.8% | — |
| 32 | The Queenstown Bank of Maryland 77 out of 100, Strong | 13 | 0.8% | 4.6% |
| 33 | Fairway Independent Mortgage Corporation | 12 | 0.8% | — |
| 34 | CROSSCOUNTRY MORTGAGE, INC. | 12 | 0.8% | — |
| 35 | NEW DAY FINANCIAL, LLC | 12 | 0.8% | — |
| 36 | VILLAGE CAPITAL & INVESTMENT LLC | 12 | 0.8% | — |
| 37 | EDUCATIONAL SYSTEMS | 11 | 0.7% | — |
| 38 | Citizens Bank, National Association 54 out of 100, Below average | 10 | 0.6% | 32.5% |
| 39 | GUARANTEED RATE, INC. | 10 | 0.6% | — |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 10 | 0.6% | — |
Top 40 of 186 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Maryland
- Prince George's County 41,377 apps
- Montgomery County 33,556 apps
- Baltimore County 31,792 apps
- Anne Arundel County 28,253 apps
- Baltimore city 23,488 apps
- Frederick County 14,430 apps
- Howard County 13,008 apps
- Harford County 11,963 apps
- Charles County 11,225 apps
- Carroll County 7,577 apps
- Washington County 6,579 apps
- St. Mary's County 5,416 apps