Maryland · HMDA 2025
Mortgage lenders in St. Mary's County, MD
262 lenders reported 5,416 home-loan applications in St. Mary's County in 2025. 2,685 closed as loans ($967.3M), 672 were denied — a 19.3% denial rate on decided applications, below the Maryland rate of 23.9%. The three most active lenders handled 25% of applications, led by Navy Federal Credit Union. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,416
- Loans originated
- 2,685
- Purchase / refinance
- 1,366 / 831
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Mary's County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Navy Federal Credit Union 66 out of 100, Moderate | 559 | 10.3% | 32.9% |
| 2 | PENNYMAC LOAN SERVICES, LLC | 401 | 7.4% | — |
| 3 | FIRST HOME MORTGAGE CORPORATION | 371 | 6.9% | — |
| 4 | Rocket Mortgage, LLC | 269 | 5.0% | — |
| 5 | NEWREZ LLC | 245 | 4.5% | — |
| 6 | FREEDOM MORTGAGE CORPORATION | 227 | 4.2% | — |
| 7 | Mortgage Research Center, LLC | 164 | 3.0% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 149 | 2.8% | — |
| 9 | PNC Bank, National Association 62 out of 100, Moderate | 124 | 2.3% | 33.8% |
| 10 | Bank of America, National Association 59 out of 100, Moderate | 103 | 1.9% | 44.7% |
| 11 | Truist Bank 63 out of 100, Moderate | 99 | 1.8% | 40.8% |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 95 | 1.8% | 39.5% |
| 13 | Towne Bank 74 out of 100, Strong | 89 | 1.6% | 6.6% |
| 14 | Shore United Bank, N.A. 61 out of 100, Moderate | 85 | 1.6% | 16.7% |
| 15 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 79 | 1.5% | — |
| 16 | SPRING EQ, LLC | 74 | 1.4% | — |
| 17 | Fairway Independent Mortgage Corporation | 71 | 1.3% | — |
| 18 | CMG MORTGAGE, INC. | 65 | 1.2% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 63 | 1.2% | — |
| 20 | EQUITY RESOURCES, INC. | 57 | 1.1% | — |
| 21 | EDUCATIONAL SYSTEMS | 55 | 1.0% | — |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 54 | 1.0% | 14.1% |
| 23 | TOWER Federal Credit Union 83 out of 100, Strong | 50 | 0.9% | 30.4% |
| 24 | 21st Mortgage Corporation | 49 | 0.9% | — |
| 25 | SELECT LENDING SERVICES LLC | 48 | 0.9% | — |
| 26 | Loandepot.Com, LLC | 46 | 0.8% | — |
| 27 | FIGURE LENDING LLC | 45 | 0.8% | — |
| 28 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 45 | 0.8% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 45 | 0.8% | 3.0% |
| 30 | Broker Solutions, Inc. | 43 | 0.8% | — |
| 31 | VILLAGE CAPITAL & INVESTMENT LLC | 43 | 0.8% | — |
| 32 | PHH Mortgage Corporation | 43 | 0.8% | — |
| 33 | Waterstone Mortgage Corporation | 42 | 0.8% | — |
| 34 | Vellum Mortgage, Inc. | 41 | 0.8% | — |
| 35 | LAKEVIEW LOAN SERVICING, LLC | 40 | 0.7% | — |
| 36 | AmeriSave Mortgage Corporation | 36 | 0.7% | — |
| 37 | BAY CAPITAL MORTGAGE CORPORATION | 35 | 0.6% | — |
| 38 | NEW DAY FINANCIAL, LLC | 35 | 0.6% | — |
| 39 | PLANET HOME LENDING, LLC | 34 | 0.6% | — |
| 40 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 34 | 0.6% | 45.9% |
Top 40 of 262 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
- Calvert County 5,080 apps