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Mortgage Research Center 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, Mortgage Research Center reported 2,792 applications and 1,273 originations for 2024, $538m in all.
Its denial rate in the state was 26.2%, close to the Maryland rate of 24.9% across all lenders and compared with the lender's national rate of 24.0%.
The median rate spread on its Maryland originations was -0.2 percentage points (state median 0.3).
Applications in the state were up 34% on 2023.
Compared with the state and the lender's national record
| Measure | In Maryland | Maryland, all lenders | Mortgage Research Center, all states | United States |
|---|---|---|---|---|
| Denial rate | 26.2% | 24.9% | 24.0% | 24.3% |
| Median rate spread, pp | -0.2 | 0.3 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.8% | 17.7% | 0.8% | 15.6% |
| Average originated loan | $423k | $348k | $315k | $329k |
| Home purchase share | 76.2% | 56.2% | 81.8% | 57.0% |
| FHA-insured share | 2.5% | 14.6% | 2.9% | 13.4% |
| VA-guaranteed share | 93.9% | 10.0% | 92.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaryland, all lenders
Loan purpose and loan type in Maryland
By purpose
Home purchase 76% (970)Refinancing 22% (282)Cash-out refinancing 2% (21)
By type
Conventional 3% (44)FHA 3% (32)VA 94% (1,195)USDA 0% (2)
Denial reasons as coded
Share of 461 denials in Maryland by first denial reason coded (outlined bar: all lenders in the state).
Counties in Maryland
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Prince George's County | 514 | 213 | $99m | 31.3% |
| Anne Arundel County | 362 | 184 | $86m | 19.4% |
| Charles County | 241 | 124 | $58m | 17.1% |
| Baltimore County | 259 | 117 | $41m | 30.0% |
| Baltimore city | 246 | 91 | $26m | 38.2% |
| St. Mary's County | 129 | 62 | $26m | 19.0% |
| Calvert County | 103 | 61 | $28m | 17.3% |
| Harford County | 137 | 57 | $22m | 28.9% |
| Montgomery County | 136 | 55 | $29m | 26.9% |
| Frederick County | 130 | 49 | $26m | 35.4% |
| Washington County | 100 | 47 | $16m | 28.4% |
| Howard County | 78 | 39 | $20m | 13.0% |
| Allegany County | 54 | 29 | $6.1m | 21.1% |
| Cecil County | 53 | 29 | $11m | 17.1% |
| Carroll County | 42 | 28 | $14m | 6.7% |
| Wicomico County | 52 | 22 | $7.0m | 31.3% |
| Dorchester County | 27 | 11 | $2.8m | — |
| Worcester County | 26 | 9 | $2.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mortgage Research Center originate in Maryland in 2024?
1,273 loans totalling $538m, from 2,792 applications reported for properties in Maryland.
What is Mortgage Research Center's denial rate in Maryland?
26.2% of decided applications in Maryland were denied, against 24.9% for all lenders in the state and 24.0% 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 Mortgage Research Center lend in most?
By originations: Prince George's County (213), Anne Arundel County (184), Charles County (124), Baltimore County (117), Baltimore city (91).
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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.