Mortgage lending in Worcester County, Maryland
Lenders in Worcester County, Maryland reported 3,954 mortgage applications for 2025, according to the CFPB.
3,954 mortgage applications and 2,324 loans originated in 2025; the denial rate was 22.4% of 3,161 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Worcester County, MD.
- 3,954
- Applications
- 2,324
- Loans originated
- 22.4%
- Denial rate
- 707 denied of 3,161 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,954 | 2,324 |
| 2024 | 3,625 | 2,227 |
| 2023 | 3,258 | 2,014 |
| 2022 | 4,753 | 3,022 |
| 2021 | 8,778 | 5,913 |
| 2020 | 8,506 | 5,882 |
| 2019 | 4,999 | 3,325 |
| 2018 | 4,328 | 2,757 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Movement Mortgage, LLC | 165 | 222 |
| Rocket Mortgage | 153 | 220 |
| CMG Mortgage Inc | 131 | 167 |
| Direct Mortgage Loans, LLC | 92 | 118 |
| Embrace Home Loans, Inc. | 88 | 108 |
| NVR Mortgage Finance, Inc. | 70 | 95 |
| NFM, Inc | 66 | 78 |
| PNC Bank N.A. | 59 | 134 |
| M&T Bank | 56 | 98 |
| United Wholesale Mortgage | 54 | 77 |
| Truist Bank | 50 | 96 |
| State Employees Credit Union of MD | 42 | 102 |
| First Home Mortgage | 39 | 42 |
| The Farmers Bank of Willards | 38 | 59 |
| Navy Federal Credit Union | 36 | 82 |
| Luminate Bank | 36 | 46 |
| Calvin B. Taylor Banking Company | 35 | 58 |
| First Shore Federal Savings and Loan Association | 35 | 54 |
| Bank of America NA | 33 | 76 |
| Tower Federal Credit Union | 31 | 50 |
| Lennar Mortgage, LLC | 31 | 38 |
| Shore United Bank, N.A. | 29 | 45 |
| Pennymac Loan Services LLC | 29 | 53 |
| Guaranteed Rate Affinity, LLC | 28 | 39 |
| SWBC Mortgage Corporation | 24 | 26 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 12 | no rate: base under 50 |
| Asian | 84 | 20.0% of 60 decided |
| Black or African American | 207 | 43.5% of 161 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,986 | 20.7% of 2,430 decided |
| 2 or more minority races | under 10 | |
| Joint | 60 | no rate: base under 50 |
| Race Not Available | 597 | 25.7% of 443 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 78 | 25.8% of 66 decided |
| Not Hispanic or Latino | 3,146 | 21.5% of 2,550 decided |
| Joint | withheld | |
| Ethnicity Not Available | 665 | 27.5% of 488 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,202 | 27.1% of 941 decided |
| Female | 879 | 26.3% of 707 decided |
| Joint | 1,546 | 15.6% of 1,274 decided |
| Sex Not Available | 327 | 28.0% of 239 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. 418 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