Mortgage lending in Charles County, Maryland
Lenders in Charles County, Maryland reported 9,571 mortgage applications for 2025, according to the CFPB.
9,571 mortgage applications and 5,144 loans originated in 2025; the denial rate was 24.5% of 7,259 applications decided. The median loan was about $385,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area.
- 9,571
- Applications
- 5,144
- Loans originated
- 24.5%
- Denial rate
- 1,781 denied of 7,259 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,571 | 5,144 |
| 2024 | 8,838 | 4,806 |
| 2023 | 7,847 | 4,237 |
| 2022 | 11,731 | 6,316 |
| 2021 | 20,912 | 12,711 |
| 2020 | 18,582 | 11,182 |
| 2019 | 11,883 | 6,780 |
| 2018 | 8,761 | 4,816 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Navy Federal Credit Union | 422 | 889 |
| Rocket Mortgage | 386 | 546 |
| United Wholesale Mortgage | 306 | 451 |
| Lennar Mortgage, LLC | 274 | 376 |
| Freedom Mortgage Corporation | 221 | 438 |
| DHI Mortgage Company, LTD. | 175 | 272 |
| Pennymac Loan Services LLC | 148 | 322 |
| Mortgage Research Center | 146 | 309 |
| First Home Mortgage | 127 | 164 |
| Fairway Independent Mort Corp | 126 | 172 |
| PNC Bank N.A. | 96 | 160 |
| Truist Bank | 82 | 196 |
| Crosscountry Mortgage, LLC | 80 | 122 |
| loanDepot.com LLC | 77 | 127 |
| NFM, Inc | 76 | 98 |
| Newrez LLC | 73 | 274 |
| TowneBank | 69 | 112 |
| First Heritage Mortgage, LLC | 64 | 87 |
| Wesbanco Bank, Inc. | 57 | 120 |
| American Neighborhood Mortgage Acceptance Company | 55 | 80 |
| Educational Systems Fcu | 51 | 99 |
| Waterstone Mortgage Corporation | 48 | 61 |
| Nationstar Mortgage | 48 | 80 |
| NVR Mortgage Finance, Inc. | 45 | 83 |
| Bank of America NA | 44 | 132 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 61 | 32.7% of 52 decided |
| Asian | 260 | 29.1% of 189 decided |
| Black or African American | 4,568 | 26.4% of 3,440 decided |
| Native Hawaiian or Other Pacific Islander | 12 | no rate: base under 50 |
| White | 2,202 | 18.6% of 1,779 decided |
| 2 or more minority races | 70 | 26.9% of 52 decided |
| Joint | 166 | 17.2% of 128 decided |
| Race Not Available | 2,232 | 26.9% of 1,610 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 605 | 24.3% of 477 decided |
| Not Hispanic or Latino | 6,746 | 24.4% of 5,188 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,022 | 26.0% of 1,436 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,239 | 25.3% of 2,466 decided |
| Female | 3,026 | 26.2% of 2,290 decided |
| Joint | 2,330 | 19.8% of 1,813 decided |
| Sex Not Available | 976 | 28.5% of 690 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. 99 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