Mortgage lending in Garrett County, Maryland
Lenders in Garrett County, Maryland reported 1,127 mortgage applications for 2025, according to the CFPB.
1,127 mortgage applications and 710 loans originated in 2025; the denial rate was 17.6% of 928 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Garrett County, MD.
- 1,127
- Applications
- 710
- Loans originated
- 17.6%
- Denial rate
- 163 denied of 928 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,127 | 710 |
| 2024 | 980 | 622 |
| 2023 | 958 | 614 |
| 2022 | 1,357 | 926 |
| 2021 | 2,304 | 1,602 |
| 2020 | 2,127 | 1,487 |
| 2019 | 1,441 | 937 |
| 2018 | 1,315 | 818 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 54 | 67 |
| Millennium Financial Group Inc Dba Mlend | 48 | 55 |
| Middletown Valley Bank | 43 | 47 |
| Truist Bank | 43 | 69 |
| First United Bank & Trust | 42 | 67 |
| M&T Bank | 35 | 52 |
| Clear Mountain Bank | 28 | 34 |
| First Peoples Cfcu | 26 | 29 |
| WEPCO Federal Credit Union | 18 | 19 |
| Intercoastal Mortgage, LLC | 18 | 24 |
| United Wholesale Mortgage | 17 | 21 |
| Dollar Bank, FSB | 11 | 13 |
| State Employees Credit Union of MD | 10 | 12 |
| Tower Federal Credit Union | 9 | 11 |
| Mortgage Research Center | 9 | 21 |
| Crosscountry Mortgage, LLC | 9 | 17 |
| JPMorgan Chase Bank, NA | 9 | 12 |
| First National Bank of PA | 9 | 11 |
| Navy Federal Credit Union | 8 | 19 |
| loanDepot.com LLC | 8 | 11 |
| New American Funding, LLC. | 8 | 24 |
| PNC Bank N.A. | 8 | 10 |
| Pennymac Loan Services LLC | 8 | 16 |
| Movement Mortgage, LLC | 7 | 7 |
| Citizens Bank, NA | 7 | 15 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 12 | no rate: base under 50 |
| White | 906 | 17.1% of 754 decided |
| 2 or more minority races | under 10 | |
| Joint | 17 | no rate: base under 50 |
| Race Not Available | 179 | 17.9% of 140 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 14 | no rate: base under 50 |
| Not Hispanic or Latino | 914 | 17.2% of 756 decided |
| Joint | 13 | no rate: base under 50 |
| Ethnicity Not Available | 186 | 18.7% of 150 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 358 | 22.0% of 286 decided |
| Female | 170 | 22.6% of 137 decided |
| Joint | 504 | 12.3% of 431 decided |
| Sex Not Available | 95 | 21.6% of 74 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. 688 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