Mortgage lending in Howard County, Maryland
Lenders in Howard County, Maryland reported 11,408 mortgage applications for 2025, according to the CFPB.
11,408 mortgage applications and 6,672 loans originated in 2025; the denial rate was 20.6% of 8,841 applications decided. The median loan was about $375,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Baltimore-Columbia-Towson, MD MSA.
- 11,408
- Applications
- 6,672
- Loans originated
- 20.6%
- Denial rate
- 1,823 denied of 8,841 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 11,408 | 6,672 |
| 2024 | 9,840 | 5,897 |
| 2023 | 9,037 | 5,323 |
| 2022 | 13,689 | 8,229 |
| 2021 | 31,070 | 20,439 |
| 2020 | 32,873 | 21,453 |
| 2019 | 16,998 | 10,605 |
| 2018 | 13,680 | 8,351 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 477 | 631 |
| United Wholesale Mortgage | 312 | 417 |
| Navy Federal Credit Union | 249 | 526 |
| State Employees Credit Union of MD | 222 | 468 |
| Truist Bank | 222 | 402 |
| Tower Federal Credit Union | 218 | 339 |
| Bank of America NA | 199 | 466 |
| M&T Bank | 167 | 284 |
| First Home Mortgage | 164 | 209 |
| NVR Mortgage Finance, Inc. | 154 | 211 |
| APL Federal Credit Union | 147 | 155 |
| First National Bank of PA | 137 | 231 |
| Pennymac Loan Services LLC | 137 | 266 |
| PNC Bank N.A. | 132 | 237 |
| Prosperity Home Mortgage, LLC | 120 | 157 |
| Fulton Bank, National Association | 101 | 140 |
| Newrez LLC | 99 | 257 |
| TowneBank | 97 | 120 |
| Atlantic Union Bank | 93 | 143 |
| JPMorgan Chase Bank, NA | 87 | 154 |
| Crosscountry Mortgage, LLC | 76 | 110 |
| Freedom Mortgage Corporation | 68 | 182 |
| NFM, Inc | 64 | 83 |
| Nationstar Mortgage | 60 | 92 |
| Fairway Independent Mort Corp | 58 | 82 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 33 | no rate: base under 50 |
| Asian | 2,379 | 19.5% of 1,832 decided |
| Black or African American | 1,865 | 31.4% of 1,426 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 4,286 | 15.0% of 3,451 decided |
| 2 or more minority races | 58 | no rate: base under 50 |
| Joint | 408 | 14.9% of 323 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,360 | 24.6% of 1,723 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 643 | 28.8% of 482 decided |
| Not Hispanic or Latino | 8,385 | 19.4% of 6,587 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,140 | 24.0% of 1,578 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,624 | 25.3% of 2,780 decided |
| Female | 2,484 | 23.6% of 1,940 decided |
| Joint | 4,203 | 13.5% of 3,317 decided |
| Sex Not Available | 1,097 | 26.6% of 804 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. 113 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