Lender in Maryland · HMDA 2025
Rate mortgages in Maryland
Rate's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Rate originated 670 owner-occupied single-family loans in Maryland from 756 completed applications.
Its median conventional purchase loan costs were $6,290 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.525% (Maryland: 6.625%).
Loans in MD
670
of 756 applications
Denial rate
5.6%
Purchase · MD 8.6%
Rate spread
+0.12 pts
Conv. · MD +0.14 pts
Loan amount
$495,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 538 | 506 | 5.6% | 6.525% | +0.12 pts | $6,290 | $495,000 |
| Refinance | 145 | 126 | 7.6% | 6.125% | −0.01 pts | $3,990 | $505,000 |
| Cash-out refinance | 73 | 38 | 47.9% | — | — | — | $345,000 |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Talbot County | 9 | 12 | 2.6% |
| Dorchester County | 17 | 8 | 1.6% |
| Montgomery County | 20 | 142 | 1.4% |
| Anne Arundel County | 20 | 90 | 1.0% |
| Frederick County | 21 | 55 | 1.2% |
| Prince George's County | 22 | 115 | 1.0% |
| Howard County | 22 | 47 | 1.1% |
| Washington County | 22 | 24 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology