Lenders › The Farmers Bank of Willards › Maryland
The Farmers Bank of Willards in Maryland
HMDA record for properties in Maryland, calendar year 2024. National record · Maryland overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Maryland, The Farmers Bank of Willards reported 127 applications and 70 originations for 2024, $15m in all.
Its denial rate in the state was 16.7%, below the Maryland rate of 24.9% across all lenders and compared with the lender's national rate of 18.8%.
Applications in the state were down 45% on 2023.
Compared with the state and the lender's national record
| Measure | In Maryland | Maryland, all lenders | The Farmers Bank of Willards, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.7% | 24.9% | 18.8% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 17.7% | — | 15.6% |
| Average originated loan | $208k | $348k | $244k | $329k |
| Home purchase share | 68.6% | 56.2% | 67.0% | 57.0% |
| FHA-insured share | 0.0% | 14.6% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaryland, all lenders
Loan purpose and loan type in Maryland
By purpose
Home purchase 69% (48)Home improvement 10% (7)Refinancing 16% (11)Other purpose 6% (4)
By type
Conventional 100% (70)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Maryland
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Wicomico County | 67 | 44 | $8.4m | 15.4% |
| Worcester County | 56 | 24 | $5.9m | 17.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did The Farmers Bank of Willards originate in Maryland in 2024?
70 loans totalling $15m, from 127 applications reported for properties in Maryland.
What is The Farmers Bank of Willards's denial rate in Maryland?
16.7% of decided applications in Maryland were denied, against 24.9% for all lenders in the state and 18.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Maryland counties does The Farmers Bank of Willards lend in most?
By originations: Wicomico County (44), Worcester County (24).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Maryland. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.