Maryland · HMDA 2025
Mortgage lenders in Montgomery County, MD
524 lenders reported 33,556 home-loan applications in Montgomery County in 2025. 16,640 closed as loans ($8.6B), 5,009 were denied — a 22.2% denial rate on decided applications, below the Maryland rate of 23.9%. The three most active lenders handled 15% of applications, led by Bank of America, National Association. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 33,556
- Loans originated
- 16,640
- Purchase / refinance
- 8,615 / 4,821
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Montgomery County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Bank of America, National Association 59 out of 100, Moderate | 1,751 | 5.2% | 44.7% |
| 2 | Truist Bank 63 out of 100, Moderate | 1,652 | 4.9% | 40.8% |
| 3 | Rocket Mortgage, LLC | 1,600 | 4.8% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 1,275 | 3.8% | — |
| 5 | Navy Federal Credit Union 66 out of 100, Moderate | 1,174 | 3.5% | 32.9% |
| 6 | NEWREZ LLC | 1,156 | 3.4% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 1,054 | 3.1% | — |
| 8 | PNC Bank, National Association 62 out of 100, Moderate | 845 | 2.5% | 33.8% |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 839 | 2.5% | 14.1% |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 716 | 2.1% | 39.5% |
| 11 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 712 | 2.1% | 32.9% |
| 12 | Atlantic Union Bank 73 out of 100, Strong | 688 | 2.1% | 23.3% |
| 13 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 589 | 1.8% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 511 | 1.5% | — |
| 15 | Citibank, National Association 60 out of 100, Moderate | 490 | 1.5% | 24.0% |
| 16 | Prosperity Home Mortgage, LLC | 486 | 1.4% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 469 | 1.4% | — |
| 18 | Citizens Bank, National Association 54 out of 100, Below average | 467 | 1.4% | 32.5% |
| 19 | SPRING EQ, LLC | 444 | 1.3% | — |
| 20 | EDUCATIONAL SYSTEMS | 423 | 1.3% | — |
| 21 | Bank-Fund Staff Federal Credit Union 81 out of 100, Strong | 395 | 1.2% | 12.2% |
| 22 | FIRST HOME MORTGAGE CORPORATION | 388 | 1.2% | — |
| 23 | First National Bank of Pennsylvania 64 out of 100, Moderate | 383 | 1.1% | 26.6% |
| 24 | TD Bank, National Association 63 out of 100, Moderate | 382 | 1.1% | 35.3% |
| 25 | CROSSCOUNTRY MORTGAGE, INC. | 373 | 1.1% | — |
| 26 | First Heritage Mortgage, LLC | 359 | 1.1% | — |
| 27 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 342 | 1.0% | 45.9% |
| 28 | FIRST SAVINGS MORTGAGE CORPORATION | 334 | 1.0% | — |
| 29 | GUARANTEED RATE, INC. | 328 | 1.0% | — |
| 30 | Towne Bank 74 out of 100, Strong | 309 | 0.9% | 6.6% |
| 31 | TOWER Federal Credit Union 83 out of 100, Strong | 306 | 0.9% | 30.4% |
| 32 | Coastal Community Bank 35 out of 100, Low | 291 | 0.9% | 3.0% |
| 33 | PHH Mortgage Corporation | 282 | 0.8% | — |
| 34 | FIGURE LENDING LLC | 277 | 0.8% | — |
| 35 | AMERIHOME MORTGAGE COMPANY, LLC | 259 | 0.8% | — |
| 36 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 241 | 0.7% | 22.2% |
| 37 | EMBRACE HOME LOANS, INC. | 234 | 0.7% | — |
| 38 | PULTE MORTGAGE LLC | 232 | 0.7% | — |
| 39 | Loandepot.Com, LLC | 229 | 0.7% | — |
| 40 | Atlantic Coast Mortgage, LLC | 221 | 0.7% | — |
Top 40 of 524 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
- 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
- Calvert County 5,080 apps