Mortgage lending in Carroll County, Maryland
Lenders in Carroll County, Maryland reported 6,666 mortgage applications for 2025, according to the CFPB.
6,666 mortgage applications and 4,205 loans originated in 2025; the denial rate was 18.0% of 5,385 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Baltimore-Columbia-Towson, MD MSA.
- 6,666
- Applications
- 4,205
- Loans originated
- 18.0%
- Denial rate
- 968 denied of 5,385 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 6,666 | 4,205 |
| 2024 | 5,723 | 3,614 |
| 2023 | 5,101 | 3,276 |
| 2022 | 8,190 | 5,302 |
| 2021 | 15,898 | 11,088 |
| 2020 | 16,274 | 11,415 |
| 2019 | 9,458 | 6,277 |
| 2018 | 7,820 | 5,136 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 337 | 416 |
| PNC Bank N.A. | 242 | 398 |
| Truist Bank | 197 | 337 |
| United Wholesale Mortgage | 183 | 240 |
| M&T Bank | 147 | 214 |
| Navy Federal Credit Union | 141 | 241 |
| Tower Federal Credit Union | 119 | 179 |
| First Financial of Maryland Federal Credit Union | 116 | 136 |
| Pennymac Loan Services LLC | 88 | 163 |
| Bank of America NA | 86 | 187 |
| First Home Mortgage | 84 | 99 |
| State Employees Credit Union of MD | 83 | 164 |
| Primary Residential Mortgage, INC. | 78 | 96 |
| NFM, Inc | 73 | 87 |
| Acnb Bank | 60 | 80 |
| Direct Mortgage Loans, LLC | 58 | 72 |
| Freedom Mortgage Corporation | 57 | 126 |
| First National Bank of PA | 57 | 75 |
| Movement Mortgage, LLC | 56 | 79 |
| Newrez LLC | 55 | 175 |
| TowneBank | 54 | 76 |
| Nationstar Mortgage | 52 | 73 |
| Crosscountry Mortgage, LLC | 46 | 74 |
| APL Federal Credit Union | 44 | 44 |
| Guild Mortgage Company | 44 | 54 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 29 | no rate: base under 50 |
| Asian | 224 | 20.1% of 159 decided |
| Black or African American | 262 | 32.0% of 206 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 5,045 | 16.8% of 4,160 decided |
| 2 or more minority races | withheld | |
| Joint | 143 | 7.2% of 111 decided |
| Race Not Available | 949 | 21.3% of 712 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 211 | 22.4% of 174 decided |
| Not Hispanic or Latino | 5,383 | 17.5% of 4,396 decided |
| Joint | withheld | |
| Ethnicity Not Available | 951 | 20.8% of 718 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,089 | 20.4% of 1,683 decided |
| Female | 1,251 | 22.3% of 1,010 decided |
| Joint | 2,761 | 13.3% of 2,280 decided |
| Sex Not Available | 565 | 23.5% of 412 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. 417 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