Maryland · HMDA 2025
Mortgage lenders in Somerset County, MD
149 lenders reported 917 home-loan applications in Somerset County in 2025. 378 closed as loans ($75.9M), 197 were denied — a 32.3% denial rate on decided applications, above the Maryland rate of 23.9%. The three most active lenders handled 15% of applications, led by STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 917
- Loans originated
- 378
- Purchase / refinance
- 208 / 112
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Somerset County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 53 | 5.8% | — |
| 2 | Rocket Mortgage, LLC | 47 | 5.1% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 36 | 3.9% | — |
| 4 | PNC Bank, National Association 62 out of 100, Moderate | 36 | 3.9% | 33.8% |
| 5 | Mortgage Research Center, LLC | 34 | 3.7% | — |
| 6 | FIRST HOME MORTGAGE CORPORATION | 32 | 3.5% | — |
| 7 | Truist Bank 63 out of 100, Moderate | 28 | 3.1% | 40.8% |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC. | 28 | 3.1% | — |
| 9 | CMG MORTGAGE, INC. | 27 | 2.9% | — |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 27 | 2.9% | 39.5% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 24 | 2.6% | — |
| 12 | NEWREZ LLC | 20 | 2.2% | — |
| 13 | TIDEWATER MORTGAGE SERVICES, INC. | 19 | 2.1% | — |
| 14 | EMBRACE HOME LOANS, INC. | 19 | 2.1% | — |
| 15 | MOVEMENT MORTGAGE, LLC | 18 | 2.0% | — |
| 16 | SUCCESS LENDING, LLC | 18 | 2.0% | — |
| 17 | First Shore Federal Savings and Loan Association | 14 | 1.5% | — |
| 18 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 13 | 1.4% | 32.9% |
| 19 | Bank of America, National Association 59 out of 100, Moderate | 12 | 1.3% | 44.7% |
| 20 | SPRING EQ, LLC | 12 | 1.3% | — |
| 21 | Hebron Savings Bank 88 out of 100, Very strong | 11 | 1.2% | 14.8% |
| 22 | AmeriSave Mortgage Corporation | 10 | 1.1% | — |
| 23 | FIGURE LENDING LLC | 10 | 1.1% | — |
| 24 | NFM, INC. | 10 | 1.1% | — |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 1.0% | 32.9% |
| 26 | Broker Solutions, Inc. | 9 | 1.0% | — |
| 27 | NATIONSTAR MORTGAGE LLC | 9 | 1.0% | — |
| 28 | FREEDOM MORTGAGE CORPORATION | 9 | 1.0% | — |
| 29 | VILLAGE CAPITAL & INVESTMENT LLC | 9 | 1.0% | — |
| 30 | GUARANTEED RATE, INC. | 8 | 0.9% | — |
| 31 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.9% | — |
| 32 | BAY CAPITAL MORTGAGE CORPORATION | 8 | 0.9% | — |
| 33 | NEW DAY FINANCIAL, LLC | 8 | 0.9% | — |
| 34 | Citizens Bank, National Association 54 out of 100, Below average | 7 | 0.8% | 32.5% |
| 35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | 0.8% | — |
| 36 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | 0.8% | — |
| 37 | Calvin B. Taylor Banking Company of Berlin, Maryland 81 out of 100, Strong | 7 | 0.8% | 16.9% |
| 38 | The Farmers Bank of Willards | 7 | 0.8% | — |
| 39 | KIND LENDING, LLC | 7 | 0.8% | — |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 0.8% | — |
Top 40 of 149 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