HMDA 2025
Mortgage lenders in Maryland
Lenders reported 260,605 home-loan applications for properties in Maryland in 2025; 125,631 became loans and the denial rate on decided applications was 23.9%. The busiest county was Prince George's County with 41,377 applications.
Most active lenders across Maryland's counties
- Rocket Mortgage, LLC 13,040 applications
- PENNYMAC LOAN SERVICES, LLC 12,671 applications
- Navy Federal Credit Union 11,466 applications
- UNITED SHORE FINANCIAL SERVICES, LLC 9,344 applications
- NEWREZ LLC 9,205 applications
- Truist Bank 7,787 applications
- Bank of America, National Association 7,446 applications
- FREEDOM MORTGAGE CORPORATION 6,783 applications
- PNC Bank, National Association 6,599 applications
- Manufacturers and Traders Trust Company 5,554 applications
- STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 5,523 applications
- U.S. Bank National Association 5,343 applications
- FIRST HOME MORTGAGE CORPORATION 4,554 applications
- JPMorgan Chase Bank, National Association 4,425 applications
- NATIONSTAR MORTGAGE LLC 3,986 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Allegany County | 2,131 | 188 | 20.9% | 547 / 421 |
| Anne Arundel County | 28,253 | 487 | 21.4% | 6,981 / 4,313 |
| Baltimore city | 23,488 | 463 | 28.7% | 6,214 / 2,939 |
| Baltimore County | 31,792 | 492 | 24.7% | 7,930 / 4,984 |
| Calvert County | 5,080 | 281 | 20.2% | 1,141 / 836 |
| Caroline County | 1,562 | 186 | 26.3% | 361 / 245 |
| Carroll County | 7,577 | 319 | 18.0% | 1,834 / 1,379 |
| Cecil County | 4,709 | 272 | 20.2% | 1,079 / 878 |
| Charles County | 11,225 | 341 | 24.5% | 2,626 / 1,715 |
| Dorchester County | 1,747 | 211 | 27.0% | 413 / 257 |
| Frederick County | 14,430 | 394 | 18.7% | 3,568 / 2,304 |
| Garrett County | 1,256 | 179 | 17.6% | 390 / 222 |
| Harford County | 11,963 | 347 | 19.0% | 3,148 / 2,139 |
| Howard County | 13,008 | 390 | 20.6% | 3,238 / 1,999 |
| Kent County | 854 | 169 | 23.0% | 213 / 148 |
| Montgomery County | 33,556 | 524 | 22.2% | 8,615 / 4,821 |
| Prince George's County | 41,377 | 484 | 31.4% | 8,265 / 5,748 |
| Queen Anne's County | 3,225 | 251 | 20.2% | 836 / 506 |
| Somerset County | 917 | 149 | 32.3% | 208 / 112 |
| St. Mary's County | 5,416 | 262 | 19.3% | 1,366 / 831 |
| Talbot County | 1,699 | 205 | 18.9% | 442 / 263 |
| Washington County | 6,579 | 333 | 23.4% | 1,559 / 1,103 |
| Wicomico County | 4,268 | 239 | 25.8% | 1,088 / 632 |
| Worcester County | 4,493 | 315 | 22.4% | 1,443 / 546 |