Maryland · HMDA 2025
Mortgage lenders in Carroll County, MD
319 lenders reported 7,577 home-loan applications in Carroll County in 2025. 4,205 closed as loans ($1.3B), 968 were denied — a 18.0% denial rate on decided applications, below the Maryland rate of 23.9%. The three most active lenders handled 16% of applications, led by Rocket Mortgage, LLC. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 7,577
- Loans originated
- 4,205
- Purchase / refinance
- 1,834 / 1,379
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Carroll County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 420 | 5.5% | — |
| 2 | PNC Bank, National Association 62 out of 100, Moderate | 402 | 5.3% | 33.8% |
| 3 | PENNYMAC LOAN SERVICES, LLC | 387 | 5.1% | — |
| 4 | Truist Bank 63 out of 100, Moderate | 353 | 4.7% | 40.8% |
| 5 | NEWREZ LLC | 274 | 3.6% | — |
| 6 | Navy Federal Credit Union 66 out of 100, Moderate | 241 | 3.2% | 32.9% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 241 | 3.2% | — |
| 8 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 215 | 2.8% | 32.9% |
| 9 | Bank of America, National Association 59 out of 100, Moderate | 213 | 2.8% | 44.7% |
| 10 | TOWER Federal Credit Union 83 out of 100, Strong | 179 | 2.4% | 30.4% |
| 11 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 164 | 2.2% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 164 | 2.2% | — |
| 13 | NATIONSTAR MORTGAGE LLC | 150 | 2.0% | — |
| 14 | FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION 79 out of 100, Strong | 140 | 1.8% | 13.0% |
| 15 | SPRING EQ, LLC | 111 | 1.5% | — |
| 16 | FIRST HOME MORTGAGE CORPORATION | 102 | 1.3% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 98 | 1.3% | 14.1% |
| 18 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 96 | 1.3% | — |
| 19 | FIGURE LENDING LLC | 91 | 1.2% | — |
| 20 | Coastal Community Bank 35 out of 100, Low | 89 | 1.2% | 3.0% |
| 21 | NFM, INC. | 87 | 1.1% | — |
| 22 | U.S. Bank National Association 55 out of 100, Moderate | 83 | 1.1% | 39.5% |
| 23 | ACNB Bank 77 out of 100, Strong | 80 | 1.1% | 11.5% |
| 24 | MOVEMENT MORTGAGE, LLC | 79 | 1.0% | — |
| 25 | First National Bank of Pennsylvania 64 out of 100, Moderate | 79 | 1.0% | 26.6% |
| 26 | Mortgage Research Center, LLC | 77 | 1.0% | — |
| 27 | GUARANTEED RATE, INC. | 76 | 1.0% | — |
| 28 | Towne Bank 74 out of 100, Strong | 76 | 1.0% | 6.6% |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 74 | 1.0% | — |
| 30 | DIRECT MORTGAGE LOANS, LLC | 74 | 1.0% | — |
| 31 | Atlantic Union Bank 73 out of 100, Strong | 62 | 0.8% | 23.3% |
| 32 | PHH Mortgage Corporation | 60 | 0.8% | — |
| 33 | OriginPoint, LLC | 56 | 0.7% | — |
| 34 | GUILD MORTGAGE COMPANY | 55 | 0.7% | — |
| 35 | SWBC MORTGAGE CORPORATION | 54 | 0.7% | — |
| 36 | NVR Mortgage Finance, Inc. | 54 | 0.7% | — |
| 37 | AmeriSave Mortgage Corporation | 52 | 0.7% | — |
| 38 | Prosperity Home Mortgage, LLC | 51 | 0.7% | — |
| 39 | AMERIHOME MORTGAGE COMPANY, LLC | 50 | 0.7% | — |
| 40 | CMG MORTGAGE, INC. | 49 | 0.6% | — |
Top 40 of 319 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
- Washington County 6,579 apps
- St. Mary's County 5,416 apps
- Calvert County 5,080 apps