Mortgage lending in Baltimore County, Maryland
Lenders in Baltimore County, Maryland reported 27,524 mortgage applications for 2025, according to the CFPB.
27,524 mortgage applications and 15,457 loans originated in 2025; the denial rate was 24.7% of 21,781 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Baltimore-Columbia-Towson, MD MSA.
- 27,524
- Applications
- 15,457
- Loans originated
- 24.7%
- Denial rate
- 5,371 denied of 21,781 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 27,524 | 15,457 |
| 2024 | 24,865 | 14,205 |
| 2023 | 22,835 | 12,836 |
| 2022 | 33,678 | 19,340 |
| 2021 | 61,374 | 38,730 |
| 2020 | 56,221 | 35,632 |
| 2019 | 36,074 | 21,363 |
| 2018 | 31,367 | 18,176 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 1,143 | 1,613 |
| United Wholesale Mortgage | 806 | 1,175 |
| M&T Bank | 617 | 1,115 |
| State Employees Credit Union of MD | 478 | 1,111 |
| First National Bank of PA | 429 | 671 |
| First Home Mortgage | 424 | 546 |
| NFM, Inc | 389 | 476 |
| Primary Residential Mortgage, INC. | 386 | 533 |
| Bank of America NA | 327 | 881 |
| Navy Federal Credit Union | 309 | 781 |
| Direct Mortgage Loans, LLC | 300 | 347 |
| Pennymac Loan Services LLC | 283 | 607 |
| Truist Bank | 273 | 652 |
| PNC Bank N.A. | 269 | 534 |
| First Financial of Maryland Federal Credit Union | 259 | 346 |
| Freedom Mortgage Corporation | 235 | 609 |
| Lennar Mortgage, LLC | 233 | 283 |
| Aberdeen Proving Ground Fcu | 217 | 350 |
| Crosscountry Mortgage, LLC | 210 | 319 |
| CMG Mortgage Inc | 189 | 293 |
| Newrez LLC | 176 | 659 |
| Shore United Bank, N.A. | 167 | 213 |
| Meridian Bank | 167 | 220 |
| Tower Federal Credit Union | 155 | 266 |
| TowneBank | 151 | 188 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 99 | 29.7% of 74 decided |
| Asian | 1,896 | 24.2% of 1,475 decided |
| Black or African American | 6,729 | 33.3% of 5,227 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 12,495 | 19.5% of 10,266 decided |
| 2 or more minority races | 127 | 30.8% of 107 decided |
| Joint | 451 | 15.0% of 347 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 5,669 | 27.0% of 4,240 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,718 | 27.6% of 1,400 decided |
| Not Hispanic or Latino | 20,150 | 23.8% of 16,145 decided |
| Joint | 368 | 18.9% of 296 decided |
| Ethnicity Not Available | 5,271 | 27.4% of 3,930 decided |
| Free Form Text Only | 17 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 9,399 | 26.5% of 7,365 decided |
| Female | 7,847 | 27.5% of 6,301 decided |
| Joint | 7,238 | 18.3% of 5,903 decided |
| Sex Not Available | 3,040 | 27.3% of 2,212 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 477 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved