Maryland · HMDA 2025
Mortgage lenders in Howard County, MD
390 lenders reported 13,008 home-loan applications in Howard County in 2025. 6,672 closed as loans ($2.8B), 1,823 were denied — a 20.6% denial rate on decided applications, below the Maryland rate of 23.9%. The three most active lenders handled 14% of applications, led by Rocket Mortgage, LLC. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 13,008
- Loans originated
- 6,672
- Purchase / refinance
- 3,238 / 1,999
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Howard County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 645 | 5.0% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 600 | 4.6% | — |
| 3 | Bank of America, National Association 59 out of 100, Moderate | 598 | 4.6% | 44.7% |
| 4 | Navy Federal Credit Union 66 out of 100, Moderate | 527 | 4.1% | 32.9% |
| 5 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 468 | 3.6% | — |
| 6 | NEWREZ LLC | 458 | 3.5% | — |
| 7 | Truist Bank 63 out of 100, Moderate | 430 | 3.3% | 40.8% |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 417 | 3.2% | — |
| 9 | TOWER Federal Credit Union 83 out of 100, Strong | 339 | 2.6% | 30.4% |
| 10 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 287 | 2.2% | 32.9% |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 262 | 2.0% | 14.1% |
| 12 | FREEDOM MORTGAGE CORPORATION | 246 | 1.9% | — |
| 13 | First National Bank of Pennsylvania 64 out of 100, Moderate | 246 | 1.9% | 26.6% |
| 14 | PNC Bank, National Association 62 out of 100, Moderate | 243 | 1.9% | 33.8% |
| 15 | NVR Mortgage Finance, Inc. | 211 | 1.6% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 210 | 1.6% | — |
| 17 | FIRST HOME MORTGAGE CORPORATION | 209 | 1.6% | — |
| 18 | SPRING EQ, LLC | 176 | 1.4% | — |
| 19 | GUARANTEED RATE, INC. | 164 | 1.3% | — |
| 20 | Prosperity Home Mortgage, LLC | 157 | 1.2% | — |
| 21 | APL Federal Credit Union 76 out of 100, Strong | 155 | 1.2% | 10.9% |
| 22 | Atlantic Union Bank 73 out of 100, Strong | 144 | 1.1% | 23.3% |
| 23 | Fulton Bank, National Association 65 out of 100, Moderate | 140 | 1.1% | 23.0% |
| 24 | U.S. Bank National Association 55 out of 100, Moderate | 131 | 1.0% | 39.5% |
| 25 | Towne Bank 74 out of 100, Strong | 120 | 0.9% | 6.6% |
| 26 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 119 | 0.9% | 45.9% |
| 27 | Coastal Community Bank 35 out of 100, Low | 118 | 0.9% | 3.0% |
| 28 | Mortgage Research Center, LLC | 114 | 0.9% | — |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 110 | 0.8% | — |
| 30 | FIGURE LENDING LLC | 104 | 0.8% | — |
| 31 | Citizens Bank, National Association 54 out of 100, Below average | 93 | 0.7% | 32.5% |
| 32 | Loandepot.Com, LLC | 92 | 0.7% | — |
| 33 | PHH Mortgage Corporation | 91 | 0.7% | — |
| 34 | EMBRACE HOME LOANS, INC. | 89 | 0.7% | — |
| 35 | Fairway Independent Mortgage Corporation | 87 | 0.7% | — |
| 36 | Broker Solutions, Inc. | 84 | 0.6% | — |
| 37 | NFM, INC. | 83 | 0.6% | — |
| 38 | SOFI BANK, NATIONAL ASSOCIATION | 81 | 0.6% | — |
| 39 | BETTER MORTGAGE CORPORATION | 81 | 0.6% | — |
| 40 | TD Bank, National Association 63 out of 100, Moderate | 78 | 0.6% | 35.3% |
Top 40 of 390 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
- 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