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Washington County, Maryland · 2025

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

329 lenders acted on 5,720 mortgage applications for properties in Washington County in 2025. 18.7% were denied (Maryland: 18.8%). Median rate on closed loans 6.63%; median loan $205,000; median property value $355,000.

5.7kApplications
18.7%Denial ratestate 18.8%
6.63%Median ratestate 6.63%
$205,000Median loan
$355,000Median property value

Largest lenders in Washington County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 373269 18.8%6.75%
2 United Shore Financial Services B 259179 13.1%6.13%
3 Manufacturers and Traders Trust C 256167 25.0%5.99%
4 Truist Bank C 227121 34.4%6.84%
5 Pennymac Loan Services C 188104 11.2%6.56%
6 PNC Bank D 18389 35.0%7.84%
7 Newrez D 17260 22.1%6.75%
8 Patriot A 169104 25.4%4.99%
9 Navy Federal Credit Union D 16272 27.8%7.70%
10 Freedom Mortgage B 14369 5.6%6.25%
11 State Employees Credit Union of Maryland D 12168 33.9%6.25%
12 Fulton Bank C 9762 24.7%6.49%
13 Integrity Home Mortgage B 9165 4.4%6.63%
14 Mortgage Research Center C 8734 16.1%6.19%
15 Broker Solutions D 8329 15.7%6.75%
16 Crosscountry Mortgage B 7748 7.8%6.63%
17 Coastal Community Bank C 7721 0.0%10.99%
18 CNB Bank B 7561 9.3%—
19 First Home Mortgage B 6857 1.5%6.75%
20 Nationstar Mortgage C 6449 9.4%8.50%
21 Bank of America F 5813 41.4%6.49%
22 Spring Eq D 5819 48.3%9.48%
23 Loandepot.Com D 5527 20.0%6.38%
24 NFM A 5439 3.7%6.75%
25 AmeriSave Mortgage D 5213 61.5%8.00%

Best approval odds in Washington County

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

#LenderDecidedDecision denial rate
1Coastal Community Bank570.0%
2First Home Mortgage581.7%
3Integrity Home Mortgage785.1%
4Freedom Mortgage869.3%
5CNB Bank6810.3%
6Nationstar Mortgage5510.9%
7Crosscountry Mortgage5411.1%
8United Shore Financial Services22115.4%
9Pennymac Loan Services12816.4%
10Rocket Mortgage35319.8%

What Washington County borrowers applied for

By loan purpose

Home purchase 2,260 40% · 10.1% denied
Refinance 1,000 17% · 15.2% denied
Cash-out refinance 1,122 20% · 21.3% denied
Home improvement 616 11% · 32.0% denied
Other / HELOC 722 13% · 34.6% denied

By loan type

Conventional 3,987 70% · 20.8% denied
FHA 1,164 20% · 15.4% denied
VA 538 9% · 10.8% denied
USDA / RHS 31 1% · 3.2% denied

Why applications were denied

Credit history 294 28%
Debt-to-income ratio 286 27%
Collateral 167 16%
Incomplete application 129 12%
Other 101 10%
Insufficient cash 32 3%
Unverifiable information 25 2%
Employment history 9 1%

Washington County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,7372,73921.1%6.88%$195,000
20245,0823,00719.5%6.88%$205,000
20255,7203,27818.7%6.63%$205,000

Frequently asked questions

18.7% of applications in Washington County were denied in 2025, against 18.8% statewide in Maryland.

Rocket Mortgage, with 373 applications in 2025 and a denial rate of 18.8%.

The median mortgage application in Washington County in 2025 was for $205,000; the median property value on originated loans was $355,000.