Mortgage lending in Baltimore city, Maryland
Lenders in Baltimore city, Maryland reported 20,485 mortgage applications for 2025, according to the CFPB.
20,485 mortgage applications and 10,219 loans originated in 2025; the denial rate was 28.7% of 15,581 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Baltimore-Columbia-Towson, MD MSA.
- 20,485
- Applications
- 10,219
- Loans originated
- 28.7%
- Denial rate
- 4,473 denied of 15,581 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 20,485 | 10,219 |
| 2024 | 18,261 | 9,394 |
| 2023 | 17,516 | 9,206 |
| 2022 | 23,452 | 12,618 |
| 2021 | 33,679 | 19,323 |
| 2020 | 27,320 | 15,462 |
| 2019 | 19,893 | 10,468 |
| 2018 | 18,253 | 9,316 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 580 | 979 |
| Rocket Mortgage | 538 | 873 |
| First Home Mortgage | 481 | 616 |
| NFM, Inc | 314 | 401 |
| M&T Bank | 312 | 715 |
| Primary Residential Mortgage, INC. | 296 | 444 |
| CV3 Financial Services, LLC | 272 | 432 |
| State Employees Credit Union of MD | 239 | 681 |
| Navy Federal Credit Union | 200 | 600 |
| Crosscountry Mortgage, LLC | 191 | 318 |
| Bank of America NA | 179 | 494 |
| Kiavi Funding, Inc. | 172 | 320 |
| First National Bank of PA | 172 | 272 |
| JPMorgan Chase Bank, NA | 161 | 240 |
| Direct Mortgage Loans, LLC | 151 | 213 |
| Fulton Bank, National Association | 135 | 227 |
| Truist Bank | 131 | 340 |
| CMG Mortgage Inc | 130 | 189 |
| PNC Bank N.A. | 129 | 299 |
| Dominion Financial Services, LLC | 126 | 296 |
| Fairway Independent Mort Corp | 121 | 174 |
| Meridian Bank | 121 | 188 |
| Pennymac Loan Services LLC | 119 | 313 |
| Mortgage Research Center | 118 | 291 |
| BPL Mortgage, LLC | 117 | 224 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 72 | 54.5% of 55 decided |
| Asian | 557 | 22.8% of 434 decided |
| Black or African American | 7,560 | 37.3% of 5,724 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 5,732 | 20.4% of 4,610 decided |
| 2 or more minority races | 126 | 38.4% of 99 decided |
| Joint | 276 | 13.7% of 219 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 6,131 | 27.1% of 4,422 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,310 | 29.7% of 1,037 decided |
| Not Hispanic or Latino | 13,126 | 29.5% of 10,184 decided |
| Joint | 229 | 18.5% of 178 decided |
| Ethnicity Not Available | 5,805 | 26.8% of 4,171 decided |
| Free Form Text Only | 15 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 6,959 | 31.1% of 5,364 decided |
| Female | 6,765 | 30.6% of 5,201 decided |
| Joint | 2,534 | 19.2% of 2,008 decided |
| Sex Not Available | 4,227 | 27.5% of 3,008 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. 1007 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