The Lenders Community Survey gathers homeowners feedback and 72 lenders recommendations for Maryland home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 11, 2025
<< Human Powered Recommendations >>
Maryland Top Lenders for Home Refinance Loans
Baltimore, Columbia, Germantown, Frederick, Waldorf, Silver Spring, Ellicott City, Glen Burnie, Online lenders.
Recommendations are gathered from 991 local Marylander members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Ohio Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Ohio Homeowners.
Baltimore Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Baltimore’s area are SECU Maryland (State Employees Credit Union), Peake Federal Credit Union and M&T Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| SECU Maryland (State Employees Credit Union) | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Peake Federal Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 92% |
| M&T Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| First National Bank of Pennsylvania | Bank | 4.0 | 4.0 | 4.0 | 88% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Howard Bank | Community Bank | 4.0 | 3.5 | 4.0 | 84% |
| Manufacturers and Traders Trust Company (M&T) | Bank | 3.5 | 3.5 | 3.5 | 82% |
| Bay Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
| SunTrust Bank (Truist) | Bank | 3.0 | 3.5 | 3.0 | 78% |
| Capital Bank | Community Bank | 3.0 | 3.0 | 3.5 | 75% |
Columbia Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Columbia’s area are SECU Maryland (State Employees Credit Union), Meridian Bank and M&T Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| SECU Maryland (State Employees Credit Union) | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Meridian Bank | Community Bank | 4.0 | 4.5 | 4.0 | 90% |
| M&T Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| First National Bank of Pennsylvania | Bank | 4.0 | 4.0 | 4.0 | 88% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Howard Bank | Community Bank | 4.0 | 3.5 | 4.0 | 84% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 82% |
| Bay Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
| SunTrust Bank (Truist) | Bank | 3.0 | 3.5 | 3.0 | 78% |
| Capital Bank | Community Bank | 3.0 | 3.0 | 3.5 | 75% |
Germantown Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Germantown’s area are SECU Maryland (State Employees Credit Union), M&T Bank and PNC Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| SECU Maryland (State Employees Credit Union) | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| M&T Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 82% |
| SunTrust Bank (Truist) | Bank | 3.0 | 3.5 | 3.0 | 78% |
| Sandy Spring Bank | Community Bank | 3.5 | 3.0 | 3.5 | 76% |
| Capital Bank | Community Bank | 3.0 | 3.0 | 3.5 | 75% |
Frederick Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Frederick’s area are Capital Bank, Meridian Bank and Shore United Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Capital Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Meridian Bank | Community Bank | 4.0 | 4.5 | 4.0 | 90% |
| Shore United Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| M&T Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Guild Mortgage | Bank | 3.5 | 3.5 | 4.0 | 82% |
| Integrity Home Mortgage | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
| PNC Bank | Bank | 3.0 | 3.5 | 3.0 | 78% |
Waldorf Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Waldorf’s area are First National Bank of Pennsylvania, PNC Bank and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First National Bank of Pennsylvania | Bank | 4.5 | 4.5 | 4.5 | 94% |
| PNC Bank | Bank | 4.0 | 4.5 | 4.0 | 90% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 88% |
| M&T Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| SunTrust Bank (Truist) | Bank | 3.5 | 3.5 | 4.0 | 82% |
| Capital Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
| Bay Bank | Community Bank | 3.0 | 3.5 | 3.0 | 78% |
Silver Spring Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Silver Spring’s area are SECU Maryland (State Employees Credit Union), M&T Bank and Bank of America.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| SECU Maryland (State Employees Credit Union) | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| M&T Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Sandy Spring Bank | Community Bank | 4.0 | 4.0 | 3.5 | 86% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 84% |
| Capital Bank | Community Bank | 3.5 | 3.5 | 4.0 | 82% |
| SunTrust Bank (Truist) | Bank | 3.0 | 3.5 | 3.5 | 79% |
Ellicott City Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Ellicott City’s area are Howard Bank, SECU Maryland (State Employees Credit Union) and M&T Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Howard Bank | Community Bank | 4.5 | 4.5 | 4.5 | 95% |
| SECU Maryland (State Employees Credit Union) | Credit Union | 4.5 | 4.5 | 4.0 | 93% |
| M&T Bank | Bank | 4.0 | 4.5 | 4.0 | 90% |
| Sandy Spring Bank | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| PNC Bank | Bank | 3.5 | 4.0 | 3.5 | 85% |
| Capital Bank | Community Bank | 3.5 | 3.5 | 4.0 | 83% |
| Bank of America | Bank | 3.5 | 3.5 | 3.5 | 80% |
Glen Burnie Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Glen Burnie’s area are SECU Maryland (State Employees Credit Union), M&T Bank and PNC Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| SECU Maryland (State Employees Credit Union) | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| M&T Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Bank of America | Bank | 4.0 | 4.0 | 3.5 | 86% |
| Howard Bank | Community Bank | 3.5 | 4.0 | 3.5 | 84% |
| Bay Bank | Community Bank | 3.5 | 3.5 | 4.0 | 82% |
| SunTrust Bank (Truist) | Bank | 3.0 | 3.5 | 3.5 | 79% |
Best Maryland Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Maryland are Rocket Mortgage, Better Mortgage and New American Funding.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $100k – $3M | 6.25% – 7.50% | 15-30 years | 4.5 | 4.5 | 4.0 | 95% |
| Better Mortgage | $100k – $2M | 6.50% – 7.75% | 10-30 years | 4.5 | 4.0 | 4.0 | 92% |
| New American Funding | $100k – $3M | 6.60% – 7.80% | 15-30 years | 4.0 | 4.0 | 4.5 | 90% |
| Tomo Mortgage | $100k – $2.5M | 6.49% – 7.65% | 15-30 years | 4.0 | 4.0 | 3.5 | 88% |
| NBKC Bank | $100k – $2M | 6.40% – 7.60% | 15-30 years | 4.0 | 4.5 | 4.0 | 87% |
| SoFi | $100k – $3M | 6.75% – 8.00% | 10-30 years | 4.0 | 3.5 | 4.0 | 85% |
| LoanDepot | $100k – $3M | 6.80% – 8.20% | 15-30 years | 3.5 | 3.5 | 3.5 | 82% |
| Guild Mortgage | $100k – $2M | 6.90% – 8.50% | 15-30 years | 3.5 | 3.0 | 4.0 | 80% |
| AmeriSave | $100k – $2M | 6.95% – 8.30% | 15-30 years | 3.0 | 3.0 | 3.5 | 78% |
| Freedom Mortgage | $100k – $1.5M | 7.00% – 8.40% | 15-30 years | 3.0 | 3.0 | 3.0 | 75% |
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