Lender in Maryland · HMDA 2025
Vellum Mortgage, Inc. mortgages in Maryland
Vellum Mortgage, Inc.'s 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Vellum Mortgage, Inc. originated 487 owner-occupied single-family loans in Maryland from 508 completed applications.
Its median conventional purchase loan costs were $6,050 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.75% (Maryland: 6.625%).
Loans in MD
487
of 508 applications
Denial rate
2.2%
Purchase · MD 8.6%
Rate spread
+0.20 pts
Conv. · MD +0.14 pts
Loan amount
$415,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 446 | 432 | 2.2% | 6.750% | +0.20 pts | $6,050 | $415,000 |
| Refinance | 46 | 43 | 6.5% | 6.125% | −0.04 pts | $4,180 | $495,000 |
| Cash-out refinance | 16 | 12 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where Vellum Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Calvert County | 17 | 27 | 1.7% |
| St. Mary's County | 18 | 28 | 1.6% |
| Montgomery County | 21 | 139 | 1.3% |
| Frederick County | 23 | 50 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology