Mortgage lending in St. Mary's County, Maryland
Lenders in St. Mary's County, Maryland reported 4,556 mortgage applications for 2025, according to the CFPB.
4,556 mortgage applications and 2,685 loans originated in 2025; the denial rate was 19.3% of 3,477 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: St. Mary's County, MD HUD Metro FMR Area.
- 4,556
- Applications
- 2,685
- Loans originated
- 19.3%
- Denial rate
- 672 denied of 3,477 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,556 | 2,685 |
| 2024 | 4,209 | 2,583 |
| 2023 | 3,635 | 2,211 |
| 2022 | 5,392 | 3,272 |
| 2021 | 10,767 | 7,360 |
| 2020 | 10,167 | 6,801 |
| 2019 | 5,870 | 3,715 |
| 2018 | 4,712 | 2,857 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Home Mortgage | 298 | 365 |
| Navy Federal Credit Union | 297 | 558 |
| Rocket Mortgage | 189 | 259 |
| United Wholesale Mortgage | 110 | 149 |
| Pennymac Loan Services LLC | 93 | 163 |
| Freedom Mortgage Corporation | 86 | 169 |
| TowneBank | 72 | 89 |
| Mortgage Research Center | 71 | 164 |
| PNC Bank N.A. | 65 | 109 |
| American Neighborhood Mortgage Acceptance Company | 55 | 79 |
| Newrez LLC | 54 | 132 |
| Fairway Independent Mort Corp | 54 | 70 |
| Shore United Bank, N.A. | 52 | 85 |
| Truist Bank | 45 | 77 |
| Equity Resources Inc | 40 | 57 |
| Primary Residential Mortgage, INC. | 37 | 45 |
| Select Lending Services, LLC | 35 | 48 |
| Tower Federal Credit Union | 33 | 50 |
| Vellum Mortgage, Inc. | 32 | 41 |
| Bay Capital Mortgage Corporation | 32 | 35 |
| Waterstone Mortgage Corporation | 31 | 42 |
| Bank of America NA | 29 | 80 |
| Spring Eq, LLC | 27 | 72 |
| Educational Systems Fcu | 25 | 54 |
| Wesbanco Bank, Inc. | 23 | 34 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | 130 | 18.2% of 99 decided |
| Black or African American | 605 | 32.7% of 447 decided |
| Native Hawaiian or Other Pacific Islander | 10 | no rate: base under 50 |
| White | 2,872 | 16.6% of 2,235 decided |
| 2 or more minority races | 20 | no rate: base under 50 |
| Joint | 147 | 15.3% of 118 decided |
| Race Not Available | 757 | 21.0% of 543 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 194 | 22.8% of 149 decided |
| Not Hispanic or Latino | 3,518 | 19.4% of 2,712 decided |
| Joint | withheld | |
| Ethnicity Not Available | 740 | 19.6% of 541 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,697 | 19.5% of 1,306 decided |
| Female | 918 | 25.4% of 696 decided |
| Joint | 1,543 | 15.1% of 1,197 decided |
| Sex Not Available | 398 | 21.2% of 278 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. 185 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