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Anne Arundel County, Maryland · 2025

Mortgage lenders in Anne Arundel County, MD: denial rates and top lenders (2025)

480 lenders acted on 24,104 mortgage applications for properties in Anne Arundel County in 2025. 16.8% were denied (Maryland: 18.8%). Median rate on closed loans 6.62%; median loan $315,000; median property value $525,000.

24kApplications
16.8%Denial ratestate 18.8%
6.62%Median ratestate 6.63%
$315,000Median loan
$525,000Median property value

Largest lenders in Anne Arundel County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Navy Federal Credit Union D 1,871912 18.5%7.95%
2 Rocket Mortgage C 1,2951,002 12.5%6.75%
3 United Shore Financial Services B 995763 8.2%6.13%
4 TOWER Federal Credit Union C 820517 24.5%7.00%
5 State Employees Credit Union of Maryland D 781382 40.3%6.25%
6 First Home Mortgage B 658526 1.7%6.63%
7 Truist Bank C 632311 35.0%6.49%
8 Newrez D 631231 16.2%6.25%
9 Freedom Mortgage B 613277 4.7%6.13%
10 Bank of America F 610260 33.4%6.24%
11 Pennymac Loan Services C 587312 12.4%6.37%
12 Manufacturers and Traders Trust C 519298 31.6%5.99%
13 Mortgage Research Center C 496210 16.9%6.13%
14 NFM A 456379 0.4%6.63%
15 NVR Mortgage Finance B 422309 17.5%6.13%
16 PNC Bank D 387196 31.0%8.31%
17 Spring Eq D 370134 44.1%9.64%
18 Towne Bank B 317249 3.5%6.50%
19 First National Bank of Pennsylvania B 291181 24.4%6.49%
20 Coastal Community Bank C 27865 1.4%10.49%
21 Crosscountry Mortgage B 270181 2.2%6.58%
22 Atlantic Union Bank C 221143 18.1%6.63%
23 Loandepot.Com D 218133 13.3%6.50%
24 Prosperity Home Mortgage A 214150 4.2%6.50%
25 21st Mortgage F 20631 55.3%10.34%

Best approval odds in Anne Arundel County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1First Savings Mortgage510.0%
2Presidential Bank570.0%
3Fidelity Direct Mortgage590.0%
4Vellum Mortgage660.0%
5First Heritage Mortgage740.0%
6Rosedale Federal Savings and Loan Association960.0%
7Direct Mortgage Loans1020.0%
8NFM3850.5%
9DAS Acquisition Company891.1%
10Embrace Home Loans691.5%

What Anne Arundel County borrowers applied for

By loan purpose

Home purchase 9,675 40% · 7.6% denied
Refinance 3,928 16% · 12.7% denied
Cash-out refinance 4,292 18% · 19.5% denied
Home improvement 2,814 12% · 30.3% denied
Other / HELOC 3,395 14% · 32.9% denied

By loan type

Conventional 17,509 73% · 18.9% denied
FHA 2,835 12% · 14.6% denied
VA 3,747 16% · 8.4% denied
USDA / RHS 13 0% · 7.7% denied

Why applications were denied

Debt-to-income ratio 1,349 34%
Credit history 929 23%
Incomplete application 578 14%
Collateral 461 11%
Other 458 11%
Unverifiable information 159 4%
Insufficient cash 59 1%
Employment history 29 1%
Mortgage insurance denied 2 0%

Anne Arundel County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202318,73710,92720.0%6.75%$285,000
202421,46612,87517.9%6.75%$305,000
202524,10414,14716.8%6.62%$315,000

Frequently asked questions

16.8% of applications in Anne Arundel County were denied in 2025, against 18.8% statewide in Maryland.

Navy Federal Credit Union, with 1,871 applications in 2025 and a denial rate of 18.5%.

The median mortgage application in Anne Arundel County in 2025 was for $315,000; the median property value on originated loans was $525,000.