Maryland
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021

Discover comprehensive Maryland mortgage statistics and HMDA loan application data from 2003 to 2023.
Explore detailed insights into the total number of mortgage applications, loan amounts, and lending trends across the state.
Our interactive lists allow you to analyze mortgage data by county and metropolitan area, helping you track regional lending patterns.

Need in-depth lender data?
Easily download a formatted spreadsheet containing aggregated HMDA statistics for all Maryland based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Maryland's mortgage market trends.

Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 594,125
Total Mortgage Loan Application Amount $195,047,020,000
Average Mortgage Loan Application Amount $328,000
Highest Mortgage Loan Application Amount $98,415,000
Average Applicant Income $133,000
Highest Applicant Income $9,999,000

Explore comprehensive HMDA mortgage statistics and application trends for 2021 in Maryland. Below, you'll find key insights, including total mortgage applications, average loan amounts, highest application amounts, and the income levels of top applicants. If you're researching mortgage and loan application data in Maryland, these statistics will help you understand market trends and lending patterns as you navigate the mortgage process.

Our HMDA dataset allows you to analyze mortgage loan applications for 2021 across various categories, including loan purpose, applicant race, loan type, application outcomes, and reasons for denial. These detailed breakdowns provide valuable insights into borrower demographics and lender activity, making them an essential resource for homebuyers, real estate professionals, and industry analysts.

Each category highlights the total number of mortgage applications, total loan amounts, average mortgage sizes, and the highest loan amounts within each segment. You can also explore borrower income data, including average applicant income and the highest reported incomes for mortgage applicants. Whether you're evaluating lender performance, researching loan approval trends, or comparing mortgage options, this HMDA-backed data offers a valuable snapshot of the mortgage landscape in Maryland.

Download the Maryland Lender List

Mortgage Loan Application Detail Totals for Maryland in 2021

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 269,202 $87,946,190,000 $326,000 $98,415,000 $136,000 $9,500,000
Home Purchase 183,136 $70,341,965,000 $384,000 $95,155,000 $130,000 $9,471,000
Cash-out Refinancing 104,200 $31,618,670,000 $303,000 $42,005,000 $125,000 $9,999,000
Home Improvement 18,998 $2,248,620,000 $118,000 $10,585,000 $158,000 $9,999,000
Other Purpose 14,637 $2,071,245,000 $141,000 $10,005,000 $156,000 $9,670,000
Not Applicable 3,952 $820,330,000 $207,000 $29,065,000 $42,000 $168,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 233,483 $73,817,925,000 $316,000 $34,715,000 $144,000 $9,999,000
Black or African American 114,105 $33,996,520,000 $297,000 $39,615,000 $111,000 $9,618,000
Not Provided 101,484 $32,842,030,000 $323,000 $15,005,000 $138,000 $9,500,000
Not applicable 72,219 $29,925,050,000 $414,000 $98,415,000 $127,000 $6,287,000
Asian 33,112 $12,025,350,000 $363,000 $16,435,000 $146,000 $9,456,000
Hispanic 31,636 $9,677,565,000 $305,000 $2,805,000 $102,000 $6,352,000
American Indian or Alaskan Native 2,440 $711,720,000 $291,000 $1,795,000 $112,000 $3,696,000
Native Hawaiian or Other Pacific Islander 662 $204,670,000 $309,000 $1,945,000 $118,000 $1,004,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 435,340 $141,402,275,000 $324,000 $98,415,000 $143,000 $9,999,000
FHA-insured (Federal Housing Administration) 86,289 $25,837,155,000 $299,000 $89,155,000 $79,000 $2,616,000
VA-guaranteed (Veterans Administration) 67,260 $26,438,990,000 $393,000 $6,525,000 $109,000 $7,847,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5,236 $1,368,600,000 $261,000 $1,715,000 $71,000 $1,481,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 329,388 $112,616,610,000 $341,000 $98,415,000 $137,000 $9,999,000
Application Withdrawn By Applicant 77,250 $25,155,145,000 $325,000 $62,605,000 $137,000 $9,618,000
Loan Purchased By The Institution 75,503 $26,342,735,000 $348,000 $3,005,000 $133,000 $6,287,000
Application Denied By Financial Institution 63,390 $16,516,685,000 $260,000 $77,255,000 $115,000 $9,670,000
File Closed For Incompleteness 35,498 $10,485,795,000 $295,000 $39,615,000 $128,000 $9,500,000
Application Approved But Not Accepted 12,695 $3,791,965,000 $298,000 $7,505,000 $124,000 $7,140,000
Preapproval Approved but not Accepted 313 $107,265,000 $342,000 $1,765,000 $120,000 $1,429,000
Preapproval Denied by Financial Institution 88 $30,820,000 $350,000 $915,000 $107,000 $1,198,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 526,981 $177,051,695,000 $335,000 $98,415,000 $136,000 $9,999,000
Debt-To-Income Ratio 20,242 $5,791,070,000 $286,000 $62,005,000 $93,000 $3,204,000
Credit History 16,021 $3,512,585,000 $219,000 $14,775,000 $124,000 $9,670,000
Credit Application Incomplete 11,520 $3,292,760,000 $285,000 $5,105,000 $132,000 $7,847,000
Other 7,081 $2,201,030,000 $310,000 $77,255,000 $132,000 $6,295,000
Collateral 6,889 $1,719,865,000 $249,000 $11,255,000 $139,000 $5,454,000
Unverifiable Information 2,974 $809,170,000 $272,000 $2,005,000 $123,000 $3,180,000
Insufficient Cash (Downpayment, Closing Cost) 1,581 $418,695,000 $264,000 $4,895,000 $128,000 $2,366,000
Employment History 811 $242,485,000 $298,000 $1,695,000 $89,000 $1,597,000
Mortgage Insurance Denied 25 $7,665,000 $306,000 $825,000 $131,000 $386,000
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Mortgage Loan Application Totals in 2021 by Maryland Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
BALTIMORE-COLUMBIA-TOWSON, MD 264,186 $ 81,681,155,000 $ 309,000 $ 130,000
CALIFORNIA-LEXINGTON PARK, MD 12,412 $ 3,670,430,000 $ 295,000 $ 122,000
CUMBERLAND, MD-WV 3,122 $ 405,390,000 $ 129,000 $ 80,000
HAGERSTOWN-MARTINSBURG, MD-WV 12,376 $ 2,852,650,000 $ 230,000 $ 96,000
SALISBURY, MD-DE 17,755 $ 4,155,285,000 $ 234,000 $ 132,000
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Mortgage Loan Application Totals in 2021 by Maryland County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Allegany 3,122 $ 405,390,000 $ 129,000 $ 80,000
Anne Arundel 69,072 $ 24,672,695,000 $ 357,000 $ 140,000
Baltimore 70,043 $ 19,201,845,000 $ 274,000 $ 118,000
Baltimore City 38,618 $ 8,806,135,000 $ 228,000 $ 111,000
Calvert 12,185 $ 4,049,115,000 $ 332,000 $ 129,000
Caroline 2,697 $ 587,535,000 $ 217,000 $ 91,000
Carroll 18,053 $ 5,406,745,000 $ 299,000 $ 123,000
Cecil 9,309 $ 2,285,815,000 $ 245,000 $ 101,000
Charles 24,203 $ 7,902,275,000 $ 326,000 $ 114,000
Dorchester 2,459 $ 524,435,000 $ 213,000 $ 111,000
Frederick 35,026 $ 11,746,580,000 $ 335,000 $ 128,000
Garrett 2,642 $ 814,240,000 $ 308,000 $ 212,000
Harford 26,478 $ 7,533,280,000 $ 284,000 $ 117,000
Howard 35,241 $ 13,751,170,000 $ 390,000 $ 164,000
Kent 1,719 $ 429,855,000 $ 250,000 $ 120,000
Montgomery 97,072 $ 42,266,410,000 $ 435,000 $ 174,000
Prince George's 93,277 $ 30,259,985,000 $ 324,000 $ 112,000
Queen Anne's 6,681 $ 2,309,285,000 $ 345,000 $ 147,000
Somerset 1,188 $ 206,900,000 $ 174,000 $ 88,000
St. Mary's 12,412 $ 3,670,430,000 $ 295,000 $ 122,000
Talbot 3,685 $ 1,415,865,000 $ 384,000 $ 187,000
Washington 12,376 $ 2,852,650,000 $ 230,000 $ 96,000
Wicomico 6,963 $ 1,359,095,000 $ 195,000 $ 88,000
Worcester 9,604 $ 2,589,290,000 $ 269,000 $ 168,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Maryland's 2021 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.

This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively. Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Maryland's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.

Download the Maryland Lender List