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Top home equity lenders in Maryland (2025)

Open-end home equity lines of credit. Denial rates run far higher on HELOCs than on purchase mortgages, so compare these lenders only with each other.

227kApplications in MD
24.1%State decision denial rate
6.63%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
Maryland ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeHELOC applicationsApplicationsDenial rateMedian rate
1 Navy Federal Credit UnionVienna, VA D 3,362 11,436 23.0% 8.00%
2 State Employees Credit Union of MarylandLinthicum, MD D 3,196 5,624 44.6% 6.25%
3 Spring EqConshohocken, PA D 1,908 3,348 51.8% 9.63%
4 PNC BankWilmington, DE D 1,833 5,582 28.0% 7.41%
5 Truist BankCharlotte, NC C 1,754 6,559 34.9% 6.49%
6 Pennymac Loan ServicesWestlake Village, CA C 1,548 5,411 12.4% 6.49%
7 Bank of AmericaCharlotte, NC F 1,362 6,051 35.8% 6.24%
8 Coastal Community BankEverett, WA C 1,284 2,325 1.2% 10.49%
9 Figure LendingCharlotte, NC C 964 1,486 28.0% 9.15%
10 Manufacturers and Traders TrustBuffalo, NY C 929 5,497 32.0% 5.99%
11 Sofi BankCottonwood Heights, UT D 781 1,290 9.5% 7.99%
12 Nationstar MortgageCoppell, TX C 768 1,915 15.4% 7.88%
13 Loandepot.ComIrvine, CA D 711 2,210 22.8% 6.63%
14 U.S. BankCincinnati, OH D 528 1,443 53.1% 7.45%
15 TOWER Federal Credit UnionLaurel, MD C 469 2,733 25.5% 7.00%
16 Aberdeen Proving Ground Federal Credit UnionEdgewood, MD C 457 2,326 15.6% 5.88%
17 Better MortgageNew York, NY F 445 1,015 29.8% 7.88%
18 Educational SystemsGreenbelt, MD C 437 1,309 40.1% 4.99%
19 Citizens BankProvidence, RI C 423 1,457 32.8% 8.40%
20 RCN CapitalSouth Windsor, CT D 410 986 30.0% 7.75%
21 Atlantic Union BankGlen Allen, VA C 314 1,768 15.8% 6.63%
22 LendageSan Mateo, CA B 303 491 14.9% 11.00%
23 Pentagon Federal Credit UnionMclean, VA F 301 1,628 37.7% 7.56%
24 Broker SolutionsTustin, CA D 272 2,247 12.9% 6.75%
25 Rocket MortgagePlymouth, MI C 247 12,806 16.8% 6.63%
26 First National Bank of PennsylvaniaHermitage, PA B 240 2,690 24.6% 6.49%
27 Crosscountry MortgageCleveland, OH B 239 2,741 4.3% 6.63%
28 Third Federal Savings and Loan Association of ClevelandCleveland, OH C 215 592 31.9% 6.99%
29 TD BankWilmington, DE D 185 965 29.4% 7.59%
30 WesBanco BankWheeling, B 148 713 18.2% 6.75%
31 APL Federal Credit UnionLaurel, MD A 145 408 8.8% 7.50%
32 The Loan StoreSan Francisco, CA B 126 677 17.0% 6.88%
33 Mission LoansColumbus, OH D 117 302 1.0% 8.50%
34 Municipal Employees Credit Union of BaltimoreBaltimore, MD F 108 383 30.3% —
35 Fulton BankLancaster, PA C 105 1,167 18.3% 6.49%
36 CitibankSioux Falls, SD B 104 755 15.5% 6.13%
37 Homebridge Financial ServicesIselin, NJ B 103 420 22.6% 9.41%
38 Shore United BankEaston, MD C 102 1,485 13.8% 6.50%
39 JPMorgan Chase BankColumbus, OH B 99 1,864 7.8% 6.49%
40 Lafayette Federal Credit UnionRockville, MD C 86 203 22.7% 7.50%
41 GTE Federal Credit UnionTampa, FL D 77 100 17.0% 9.25%
42 NASA Federal Credit UnionUpper Marlboro, MD B 77 432 5.8% 7.25%
43 Mutual of Omaha MortgageSan Diego, CA C 76 863 22.4% 6.25%
44 Finance of America ReverseTulsa, OK C 70 148 14.2% 6.25%
45 Valon MortgagePhoenix, AZ C 68 160 16.9% 8.15%
46 Apple Federal Credit UnionFairfax, VA D 68 202 39.6% 7.49%
47 Wells Fargo BankCharlotte, NC B 65 1,307 16.4% 6.38%
48 Movement MortgageLancaster, SC A 59 1,486 5.5% 6.63%
49 First Home MortgageBaltimore, MD B 57 4,496 2.1% 6.63%
50 PatriotFranklin, PA A 55 269 26.0% 4.99%

How this list is built

Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.