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Mortgage lending in Montgomery County, Maryland

Lenders in Montgomery County, Maryland reported 28,851 mortgage applications for 2025, according to the CFPB.

28,851 mortgage applications and 16,640 loans originated in 2025; the denial rate was 22.2% of 22,546 applications decided. The median loan was about $395,000. 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.

28,851
Applications
16,640
Loans originated
22.2%
Denial rate
5,009 denied of 22,546 applications decided.

Every year

1 more column on a wider screen

Mortgage applications and loans originated in Montgomery County, Maryland, by year
YearApplicationsOriginated
202528,85116,640
202425,58514,934
202322,22813,068
202236,14821,876
202184,43755,825
202088,15757,650
201946,69929,016
201838,16322,642

The largest lenders here

Lenders in Montgomery County, Maryland by loans originated, 2025
LenderOriginatedApplications
Rocket Mortgage1,1661,571
Truist Bank7951,427
United Wholesale Mortgage7391,053
Navy Federal Credit Union5591,173
Bank of America NA4881,182
Atlantic Union Bank472679
M&T Bank463709
Prosperity Home Mortgage, LLC361485
PNC Bank N.A.358708
JPMorgan Chase Bank, NA310473
First Home Mortgage304386
Bank Fund Staff Federal Credit295381
Pennymac Loan Services LLC290626
First Heritage Mortgage, LLC284359
First Savings Mortgage Corporation273334
Crosscountry Mortgage, LLC259373
State Employees Credit Union of MD253589
TowneBank250309
Citizens Bank, NA227424
First National Bank of PA208362
Citibank, NA195335
Tower Federal Credit Union189306
Newrez LLC189699
Educational Systems Fcu180421
Atlantic Coast Mortgage, LLC179219

Applications by race, ethnicity and sex, 2025

By race, Montgomery County, Maryland: applications and denial rate
CategoryApplicationsDenial rate
American Indian or Alaska Native12842.1% of 95 decided
Asian4,36421.6% of 3,399 decided
Black or African American4,32832.0% of 3,345 decided
Native Hawaiian or Other Pacific Islanderwithheld
White12,75318.6% of 10,241 decided
2 or more minority races13625.9% of 108 decided
Joint94713.1% of 748 decided
Free Form Text Onlyunder 10
Race Not Available6,09724.1% of 4,538 decided
By ethnicity, Montgomery County, Maryland: applications and denial rate
CategoryApplicationsDenial rate
Hispanic or Latino3,42831.2% of 2,691 decided
Not Hispanic or Latino19,17020.5% of 15,146 decided
Joint83716.0% of 652 decided
Ethnicity Not Available5,40223.5% of 4,048 decided
Free Form Text Only14no rate: base under 50
By sex, Montgomery County, Maryland: applications and denial rate
CategoryApplicationsDenial rate
Male8,97926.5% of 6,974 decided
Female6,63725.2% of 5,230 decided
Joint10,35816.0% of 8,263 decided
Sex Not Available2,87725.2% of 2,079 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

Sources

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