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Baltimore County, Maryland · 2025

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

486 lenders acted on 27,524 mortgage applications for properties in Baltimore County in 2025. 19.5% were denied (Maryland: 18.8%). Median rate on closed loans 6.63%; median loan $235,000; median property value $395,000.

28kApplications
19.5%Denial ratestate 18.8%
6.63%Median ratestate 6.63%
$235,000Median loan
$395,000Median property value

Largest lenders in Baltimore County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 1,6131,143 18.7%6.63%
2 United Shore Financial Services B 1,175806 16.9%6.45%
3 Manufacturers and Traders Trust C 1,115617 34.4%5.99%
4 State Employees Credit Union of Maryland D 1,111478 45.6%6.50%
5 Bank of America F 881327 34.9%6.24%
6 Navy Federal Credit Union D 781309 29.3%7.95%
7 First National Bank of Pennsylvania B 671429 23.7%6.49%
8 Newrez D 659176 23.2%7.00%
9 Truist Bank C 652273 38.0%6.45%
10 Freedom Mortgage B 609235 9.5%6.25%
11 Pennymac Loan Services C 607283 12.5%6.49%
12 First Home Mortgage B 546424 2.0%6.75%
13 PNC Bank D 534269 28.5%6.75%
14 Primary Residential Mortgage C 533386 4.5%6.63%
15 NFM A 476389 1.7%6.63%
16 Spring Eq D 404113 55.2%9.47%
17 Aberdeen Proving Ground Federal Credit Union C 350217 17.4%5.88%
18 Direct Mortgage Loans B 347300 2.0%6.50%
19 First Financial of Maryland Federal Credit Union C 346259 15.0%5.00%
20 Crosscountry Mortgage B 319210 3.8%6.63%
21 Coastal Community Bank C 31376 3.2%12.24%
22 Broker Solutions D 30388 10.2%6.75%
23 CMG Mortgage A 293189 2.1%6.50%
24 Lennar Mortgage A 283233 6.7%6.63%
25 Loandepot.Com D 273128 33.3%6.50%

Best approval odds in Baltimore County

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

#LenderDecidedDecision denial rate
1Rf Renovo Management Company630.0%
2Dominion Financial Services840.0%
3Towne Bank1550.7%
4DAS Acquisition Company1440.7%
5Cazle Mortgage512.0%
6NFM4012.0%
7Direct Mortgage Loans3162.2%
8First Home Mortgage4362.5%
9Primelending, a Plainscapital772.6%
10Guaranteed Rate Affinity742.7%

What Baltimore County borrowers applied for

By loan purpose

Home purchase 11,076 40% · 8.3% denied
Refinance 4,371 16% · 15.7% denied
Cash-out refinance 5,694 21% · 23.6% denied
Home improvement 2,802 10% · 38.0% denied
Other / HELOC 3,581 13% · 37.9% denied

By loan type

Conventional 20,762 75% · 20.3% denied
FHA 4,864 18% · 18.2% denied
VA 1,884 7% · 14.5% denied
USDA / RHS 14 0% · 7.1% denied

Why applications were denied

Debt-to-income ratio 1,658 31%
Credit history 1,350 26%
Incomplete application 726 14%
Collateral 687 13%
Other 522 10%
Unverifiable information 179 3%
Insufficient cash 111 2%
Employment history 47 1%
Mortgage insurance denied 3 0%

Baltimore County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202322,83512,83621.6%6.88%$215,000
202424,86514,20520.4%6.88%$235,000
202527,52415,45719.5%6.63%$235,000

Frequently asked questions

19.5% of applications in Baltimore County were denied in 2025, against 18.8% statewide in Maryland.

Rocket Mortgage, with 1,613 applications in 2025 and a denial rate of 18.7%.

The median mortgage application in Baltimore County in 2025 was for $235,000; the median property value on originated loans was $395,000.