Maryland · HMDA 2025
Mortgage lenders in Garrett County, MD
179 lenders reported 1,256 home-loan applications in Garrett County in 2025. 710 closed as loans ($256.3M), 163 were denied — a 17.6% denial rate on decided applications, below the Maryland rate of 23.9%. The three most active lenders handled 16% of applications, led by Truist Bank. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,256
- Loans originated
- 710
- Purchase / refinance
- 390 / 222
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Garrett County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Truist Bank 63 out of 100, Moderate | 71 | 5.7% | 40.8% |
| 2 | Rocket Mortgage, LLC | 67 | 5.3% | — |
| 3 | FIRST UNITED CORPORATION | 67 | 5.3% | — |
| 4 | MILLENNIUM FINANCIAL GROUP, INC. | 55 | 4.4% | — |
| 5 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 52 | 4.1% | 32.9% |
| 6 | Middletown Valley Bank 63 out of 100, Moderate | 47 | 3.7% | 3.3% |
| 7 | NEWREZ LLC | 37 | 2.9% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 36 | 2.9% | — |
| 9 | Clear Mountain Bank 83 out of 100, Strong | 35 | 2.8% | 6.8% |
| 10 | FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION 80 out of 100, Strong | 29 | 2.3% | 5.8% |
| 11 | PHH Mortgage Corporation | 28 | 2.2% | — |
| 12 | Broker Solutions, Inc. | 24 | 1.9% | — |
| 13 | INTERCOASTAL MORTGAGE, LLC | 24 | 1.9% | — |
| 14 | Mortgage Research Center, LLC | 22 | 1.8% | — |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 21 | 1.7% | — |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 19 | 1.5% | 32.9% |
| 17 | Citizens Bank, National Association 54 out of 100, Below average | 19 | 1.5% | 32.5% |
| 18 | WEPCO Federal Credit Union 86 out of 100, Very strong | 19 | 1.5% | 15.5% |
| 19 | CROSSCOUNTRY MORTGAGE, INC. | 17 | 1.4% | — |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 15 | 1.2% | 14.1% |
| 21 | AmeriSave Mortgage Corporation | 15 | 1.2% | — |
| 22 | Bank of America, National Association 59 out of 100, Moderate | 15 | 1.2% | 44.7% |
| 23 | U.S. Bank National Association 55 out of 100, Moderate | 15 | 1.2% | 39.5% |
| 24 | FREEDOM MORTGAGE CORPORATION | 14 | 1.1% | — |
| 25 | PLANET HOME LENDING, LLC | 13 | 1.0% | — |
| 26 | Dollar Bank, Federal Savings Bank 62 out of 100, Moderate | 13 | 1.0% | 22.3% |
| 27 | Coastal Community Bank 35 out of 100, Low | 13 | 1.0% | 3.0% |
| 28 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 12 | 1.0% | — |
| 29 | First National Bank of Pennsylvania 64 out of 100, Moderate | 12 | 1.0% | 26.6% |
| 30 | Loandepot.Com, LLC | 11 | 0.9% | — |
| 31 | TOWER Federal Credit Union 83 out of 100, Strong | 11 | 0.9% | 30.4% |
| 32 | PNC Bank, National Association 62 out of 100, Moderate | 10 | 0.8% | 33.8% |
| 33 | FIGURE LENDING LLC | 10 | 0.8% | — |
| 34 | Farm Credit of the Virginias, ACA | 10 | 0.8% | — |
| 35 | GUARANTEED RATE, INC. | 9 | 0.7% | — |
| 36 | SPRING EQ, LLC | 8 | 0.6% | — |
| 37 | NEW DAY FINANCIAL, LLC | 8 | 0.6% | — |
| 38 | Alcova Mortgage LLC | 8 | 0.6% | — |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 0.6% | 22.2% |
| 40 | MOVEMENT MORTGAGE, LLC | 7 | 0.6% | — |
Top 40 of 179 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