Maryland · HMDA 2025
Mortgage lenders in Frederick County, MD
394 lenders reported 14,430 home-loan applications in Frederick County in 2025. 7,470 closed as loans ($2.8B), 1,816 were denied — a 18.7% denial rate on decided applications, below the Maryland rate of 23.9%. The three most active lenders handled 17% of applications, led by PNC Bank, National Association. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 14,430
- Loans originated
- 7,470
- Purchase / refinance
- 3,568 / 2,304
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Frederick County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PNC Bank, National Association 62 out of 100, Moderate | 886 | 6.1% | 33.8% |
| 2 | PENNYMAC LOAN SERVICES, LLC | 838 | 5.8% | — |
| 3 | Rocket Mortgage, LLC | 751 | 5.2% | — |
| 4 | Truist Bank 63 out of 100, Moderate | 641 | 4.4% | 40.8% |
| 5 | Navy Federal Credit Union 66 out of 100, Moderate | 591 | 4.1% | 32.9% |
| 6 | NEWREZ LLC | 523 | 3.6% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 472 | 3.3% | — |
| 8 | FREEDOM MORTGAGE CORPORATION | 387 | 2.7% | — |
| 9 | Bank of America, National Association 59 out of 100, Moderate | 330 | 2.3% | 44.7% |
| 10 | NVR Mortgage Finance, Inc. | 308 | 2.1% | — |
| 11 | NATIONSTAR MORTGAGE LLC | 282 | 2.0% | — |
| 12 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 245 | 1.7% | 32.9% |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 234 | 1.6% | 39.5% |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 202 | 1.4% | 14.1% |
| 15 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 197 | 1.4% | — |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 185 | 1.3% | — |
| 17 | SPRING EQ, LLC | 177 | 1.2% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 156 | 1.1% | — |
| 19 | Coastal Community Bank 35 out of 100, Low | 155 | 1.1% | 3.0% |
| 20 | FIGURE LENDING LLC | 146 | 1.0% | — |
| 21 | NFM, INC. | 142 | 1.0% | — |
| 22 | GUARANTEED RATE, INC. | 140 | 1.0% | — |
| 23 | Towne Bank 74 out of 100, Strong | 137 | 0.9% | 6.6% |
| 24 | Mortgage Research Center, LLC | 136 | 0.9% | — |
| 25 | PHH Mortgage Corporation | 130 | 0.9% | — |
| 26 | First Heritage Mortgage, LLC | 127 | 0.9% | — |
| 27 | EDUCATIONAL SYSTEMS | 127 | 0.9% | — |
| 28 | CMG MORTGAGE, INC. | 125 | 0.9% | — |
| 29 | Atlantic Union Bank 73 out of 100, Strong | 124 | 0.9% | 23.3% |
| 30 | TOWER Federal Credit Union 83 out of 100, Strong | 121 | 0.8% | 30.4% |
| 31 | Prosperity Home Mortgage, LLC | 119 | 0.8% | — |
| 32 | Atlantic Coast Mortgage, LLC | 116 | 0.8% | — |
| 33 | Loandepot.Com, LLC | 114 | 0.8% | — |
| 34 | Broker Solutions, Inc. | 113 | 0.8% | — |
| 35 | FIRST HOME MORTGAGE CORPORATION | 107 | 0.7% | — |
| 36 | SOFI BANK, NATIONAL ASSOCIATION | 104 | 0.7% | — |
| 37 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 99 | 0.7% | 45.9% |
| 38 | DIRECT MORTGAGE LOANS, LLC | 98 | 0.7% | — |
| 39 | Presidential Bank, FSB 51 out of 100, Below average | 92 | 0.6% | 6.9% |
| 40 | Citizens Bank, National Association 54 out of 100, Below average | 84 | 0.6% | 32.5% |
Top 40 of 394 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
- 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
- Calvert County 5,080 apps