Mortgage lending in Somerset County, Maryland
Lenders in Somerset County, Maryland reported 800 mortgage applications for 2025, according to the CFPB.
800 mortgage applications and 378 loans originated in 2025; the denial rate was 32.3% of 609 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Somerset County, MD HUD Metro FMR Area.
- 800
- Applications
- 378
- Loans originated
- 32.3%
- Denial rate
- 197 denied of 609 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 800 | 378 |
| 2024 | 699 | 341 |
| 2023 | 631 | 299 |
| 2022 | 835 | 456 |
| 2021 | 1,061 | 582 |
| 2020 | 729 | 420 |
| 2019 | 763 | 346 |
| 2018 | 585 | 295 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 33 | 47 |
| State Employees Credit Union of MD | 24 | 53 |
| First Home Mortgage | 24 | 32 |
| Mortgage Research Center | 18 | 34 |
| United Wholesale Mortgage | 17 | 24 |
| Embrace Home Loans, Inc. | 16 | 19 |
| Movement Mortgage, LLC | 15 | 18 |
| CMG Mortgage Inc | 15 | 27 |
| PNC Bank N.A. | 12 | 34 |
| NFM, Inc | 9 | 10 |
| Success Lending, LLC | 9 | 18 |
| Truist Bank | 8 | 19 |
| Tidewater Mortgage Services, Inc | 7 | 19 |
| Bay Capital Mortgage Corporation | 7 | 8 |
| Primary Residential Mortgage, INC. | 6 | 7 |
| M&T Bank | 6 | 13 |
| Calvin B. Taylor Banking Company | 5 | 7 |
| First Shore Federal Savings and Loan Association | 5 | 14 |
| Hebron Savings Bank | 5 | 11 |
| Amerisave Mortgage Company | 5 | 10 |
| Pennymac Loan Services LLC | 5 | 14 |
| RF Renovo Management Company, LLC | 4 | 5 |
| Figure Lending LLC | 4 | 7 |
| Shore United Bank, N.A. | 4 | 4 |
| Prosperity Home Mortgage, LLC | 4 | 4 |
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 | 127 | 44.6% of 92 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 486 | 28.5% of 379 decided |
| 2 or more minority races | under 10 | |
| Joint | 23 | no rate: base under 50 |
| Race Not Available | 150 | 34.9% of 109 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 614 | 31.1% of 479 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 158 | 35.4% of 110 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 297 | 34.8% of 230 decided |
| Female | 216 | 33.8% of 157 decided |
| Joint | 208 | 28.0% of 161 decided |
| Sex Not Available | 79 | 31.1% of 61 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. 1572 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