Mortgage lending in Washington County, Maryland
Lenders in Washington County, Maryland reported 5,720 mortgage applications for 2025, according to the CFPB.
5,720 mortgage applications and 3,278 loans originated in 2025; the denial rate was 23.4% of 4,562 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Hagerstown, MD HUD Metro FMR Area.
- 5,720
- Applications
- 3,278
- Loans originated
- 23.4%
- Denial rate
- 1,067 denied of 4,562 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,720 | 3,278 |
| 2024 | 5,082 | 3,007 |
| 2023 | 4,737 | 2,739 |
| 2022 | 6,825 | 4,026 |
| 2021 | 10,752 | 6,947 |
| 2020 | 8,904 | 5,777 |
| 2019 | 6,264 | 3,834 |
| 2018 | 5,327 | 3,319 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 269 | 373 |
| United Wholesale Mortgage | 179 | 259 |
| M&T Bank | 167 | 256 |
| Truist Bank | 121 | 227 |
| Patriot FCU | 104 | 169 |
| Pennymac Loan Services LLC | 104 | 188 |
| PNC Bank N.A. | 89 | 183 |
| Navy Federal Credit Union | 72 | 162 |
| Freedom Mortgage Corporation | 69 | 143 |
| State Employees Credit Union of MD | 68 | 121 |
| Integrity Home Mortgage Corporation | 65 | 91 |
| Fulton Bank, National Association | 62 | 97 |
| CNB Bank Inc. | 61 | 75 |
| Newrez LLC | 60 | 172 |
| First Home Mortgage | 57 | 68 |
| Nationstar Mortgage | 49 | 64 |
| Crosscountry Mortgage, LLC | 48 | 77 |
| NFM, Inc | 39 | 54 |
| Millennium Financial Group Inc Dba Mlend | 38 | 41 |
| Direct Mortgage Loans, LLC | 37 | 46 |
| TowneBank | 35 | 45 |
| Mortgage Research Center | 34 | 87 |
| CMG Mortgage Inc | 33 | 46 |
| United Bank VA | 33 | 47 |
| Guaranteed Rate, Inc. | 33 | 49 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 27 | no rate: base under 50 |
| Asian | 145 | 32.7% of 110 decided |
| Black or African American | 592 | 35.2% of 452 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 3,656 | 21.0% of 3,020 decided |
| 2 or more minority races | 23 | no rate: base under 50 |
| Joint | 112 | 18.2% of 88 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,147 | 23.9% of 835 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 566 | 27.3% of 454 decided |
| Not Hispanic or Latino | 4,022 | 22.8% of 3,266 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,044 | 23.6% of 772 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,019 | 24.5% of 1,605 decided |
| Female | 1,303 | 26.0% of 1,037 decided |
| Joint | 1,755 | 20.2% of 1,457 decided |
| Sex Not Available | 643 | 23.8% of 463 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. 762 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