Mortgage lending in Frederick County, Maryland
Lenders in Frederick County, Maryland reported 12,305 mortgage applications for 2025, according to the CFPB.
12,305 mortgage applications and 7,470 loans originated in 2025; the denial rate was 18.7% of 9,723 applications decided. The median loan was about $335,000. 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.
- 12,305
- Applications
- 7,470
- Loans originated
- 18.7%
- Denial rate
- 1,816 denied of 9,723 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 12,305 | 7,470 |
| 2024 | 11,151 | 6,777 |
| 2023 | 10,089 | 6,168 |
| 2022 | 15,411 | 9,372 |
| 2021 | 29,916 | 20,363 |
| 2020 | 29,290 | 19,833 |
| 2019 | 16,819 | 11,111 |
| 2018 | 13,090 | 8,384 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 599 | 735 |
| PNC Bank N.A. | 518 | 787 |
| United Wholesale Mortgage | 344 | 471 |
| Navy Federal Credit Union | 309 | 589 |
| Truist Bank | 283 | 527 |
| NVR Mortgage Finance, Inc. | 230 | 308 |
| Pennymac Loan Services LLC | 184 | 377 |
| M&T Bank | 154 | 243 |
| NFM, Inc | 120 | 142 |
| Crosscountry Mortgage, LLC | 119 | 185 |
| Bank of America NA | 117 | 305 |
| TowneBank | 115 | 137 |
| Freedom Mortgage Corporation | 115 | 273 |
| Newrez LLC | 112 | 324 |
| State Employees Credit Union of MD | 99 | 197 |
| First Heritage Mortgage, LLC | 97 | 127 |
| Nationstar Mortgage | 88 | 126 |
| Tower Federal Credit Union | 87 | 121 |
| Atlantic Coast Mortgage, LLC | 86 | 115 |
| Atlantic Union Bank | 85 | 123 |
| Educational Systems Fcu | 81 | 127 |
| First Home Mortgage | 81 | 105 |
| Direct Mortgage Loans, LLC | 79 | 98 |
| Presidential Bank, FSB | 78 | 92 |
| CMG Mortgage Inc | 77 | 106 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 57 | no rate: base under 50 |
| Asian | 1,373 | 16.1% of 1,020 decided |
| Black or African American | 1,287 | 29.9% of 1,003 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 7,020 | 16.0% of 5,744 decided |
| 2 or more minority races | 37 | no rate: base under 50 |
| Joint | 344 | 16.0% of 263 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,164 | 22.3% of 1,600 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,008 | 27.5% of 825 decided |
| Not Hispanic or Latino | 9,002 | 17.2% of 7,181 decided |
| Joint | 344 | 13.0% of 276 decided |
| Ethnicity Not Available | 1,951 | 22.3% of 1,441 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,229 | 21.0% of 3,291 decided |
| Female | 2,501 | 21.9% of 2,002 decided |
| Joint | 4,536 | 13.6% of 3,691 decided |
| Sex Not Available | 1,039 | 25.0% of 739 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. 184 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