Mortgage lending in Caroline County, Maryland
Lenders in Caroline County, Maryland reported 1,348 mortgage applications for 2025, according to the CFPB.
1,348 mortgage applications and 748 loans originated in 2025; the denial rate was 26.3% of 1,073 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Caroline County, MD.
- 1,348
- Applications
- 748
- Loans originated
- 26.3%
- Denial rate
- 282 denied of 1,073 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,348 | 748 |
| 2024 | 1,214 | 656 |
| 2023 | 1,065 | 553 |
| 2022 | 1,422 | 803 |
| 2021 | 2,346 | 1,440 |
| 2020 | 1,916 | 1,194 |
| 2019 | 1,385 | 824 |
| 2018 | 1,240 | 668 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 64 | 84 |
| United Wholesale Mortgage | 42 | 61 |
| Shore United Bank, N.A. | 38 | 69 |
| NFM, Inc | 36 | 44 |
| DHI Mortgage Company, LTD. | 34 | 69 |
| First Home Mortgage | 34 | 42 |
| PNC Bank N.A. | 28 | 48 |
| Navy Federal Credit Union | 22 | 41 |
| M&T Bank | 22 | 35 |
| Pennymac Loan Services LLC | 20 | 43 |
| Bay Capital Mortgage Corporation | 15 | 16 |
| Freedom Mortgage Corporation | 15 | 30 |
| Queenstown Bank of Maryland | 13 | 13 |
| loanDepot.com LLC | 12 | 22 |
| Newrez LLC | 11 | 32 |
| Truist Bank | 10 | 35 |
| State Employees Credit Union of MD | 9 | 24 |
| Movement Mortgage, LLC | 9 | 13 |
| Horizon Farm Credit, ACA | 9 | 9 |
| Burke & Herbert BK & TR Co | 9 | 16 |
| Cardinal Financial Company, Li | 9 | 9 |
| Mortgage Research Center | 8 | 17 |
| CMG Mortgage Inc | 8 | 12 |
| Direct Mortgage Loans, LLC | 8 | 9 |
| Meridian Bank | 8 | 10 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | withheld | |
| Asian | 16 | no rate: base under 50 |
| Black or African American | 120 | 43.8% of 89 decided |
| White | 939 | 23.6% of 761 decided |
| 2 or more minority races | under 10 | |
| Joint | 20 | no rate: base under 50 |
| Race Not Available | 235 | 28.8% of 184 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 65 | 25.0% of 52 decided |
| Not Hispanic or Latino | 1,036 | 25.4% of 828 decided |
| Joint | 22 | no rate: base under 50 |
| Ethnicity Not Available | 225 | 30.6% of 173 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 462 | 26.0% of 362 decided |
| Female | 337 | 29.7% of 266 decided |
| Joint | 424 | 21.8% of 349 decided |
| Sex Not Available | 125 | 34.4% of 96 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. 894 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