Somerset County, MD Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 918 mortgage applications in Somerset County, MD totaling $166.1 million, up 19% from 2024. The average application was for $180,000, and applicants reported an average income of $90,000. 41% of applications resulted in an originated loan and 21% were denied. The most active lender was State Employees Credit Union of MD, with 53 applications, followed by PennyMac Loan Services LLC and PNC Bank N.A..
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| Years | 2025 2024 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 | 918 |
| Total Mortgage Loan Application Amount | $166,110,000 |
| Average Mortgage Loan Application Amount | $180,000 |
| Highest Mortgage Loan Application Amount | $6,825,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $557,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ n/a | 53 | $ 5,445,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 36 | $ 7,280,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 36 | $ 3,700,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 34 | $ 6,980,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ n/a | 32 | $ 6,120,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 28 | $ 3,670,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 28 | $ 3,190,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 27 | $ 4,995,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 27 | $ 5,015,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 24 | $ 6,810,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 20 | $ 4,570,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ n/a | 19 | $ 4,785,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 19 | $ 4,205,000 |
| Success Lending, LLC SCHAUMBURG, IL 60173 |
* | $ n/a | 18 | $ 3,670,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 18 | $ 3,790,000 |
| First Shore Federal Savings and Loan Association PO BOX 4248 SALISBURY, MD 21801 |
* | $ n/a | 14 | $ 1,950,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 13 | $ 1,295,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 12 | $ 690,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 12 | $ 1,360,000 |
| Hebron Savings Bank P.O. BOX 59 HEBRON, MD 21830 |
* | $ n/a | 11 | $ 2,825,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 10 | $ 1,140,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 10 | $ 2,320,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 10 | $ 640,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 9 | $ 2,065,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 9 | $ 1,105,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 9 | $ 2,075,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 9 | $ 1,885,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 9 | $ 1,295,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 8 | $ 1,940,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 8 | $ 1,110,000 |
| Bay Capital Mortgage Corporation 801 COMPASS WAY ANNAPOLIS, MD 21401 |
* | $ n/a | 8 | $ 1,520,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 8 | $ 1,890,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 7 | $ 845,000 |
| The Farmers Bank of Willards 7484 MARKET STREET, PO BOX 10 WILLARDS, MD 21874 |
* | $ n/a | 7 | $ 1,585,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 7 | $ 1,005,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 7 | $ 1,705,000 |
| Calvin B. Taylor Banking Company 24 N MAIN STREET BERLIN, MD 21811 |
* | $ n/a | 7 | $ 1,275,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 7 | $ 1,465,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 7 | $ 1,105,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 7 | $ 1,315,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 7 | $ 185,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 6 | $ 530,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 6 | $ 1,440,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 6 | $ 1,250,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 5 | $ 1,045,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 5 | $ 625,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 5 | $ 695,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 5 | $ 825,000 |
| Rf Renovo Management Company, LLC 222 W ADAMS ST #1980 CHICAGO, IL 60606 |
* | $ n/a | 5 | $ 1,285,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 5 | $ 1,105,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 4 | $ 1,050,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 4 | $ 790,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 4 | $ 800,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 1,250,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ n/a | 4 | $ 100,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 4 | $ 1,110,000 |
| Shore United Bank, N.A. 18 EAST DOVER STREET EASTON, MD 21601 |
* | $ n/a | 4 | $ 1,380,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 695,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 3 | $ 605,000 |
| Tidemark Federal Credit Union 1941 BRIDGEVILLE HWY SEAFORD, DE 19973 |
* | $ n/a | 3 | $ 545,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 195,000 |
| First Financial of Maryland Federal Credit Union 72 LOVETON CIRCLE SPARKS GLENCOE, MD 21152 |
* | $ n/a | 3 | $ 225,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 285,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 685,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 3 | $ 695,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 3 | $ 625,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 3 | $ 395,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 3 | $ 125,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 645,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ n/a | 3 | $ 1,035,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 3 | $ 525,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 430,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 310,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 2 | $ 90,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 2 | $ 370,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 250,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ n/a | 2 | $ 230,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 300,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 2 | $ 390,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ n/a | 2 | $ 310,000 |
| Tomo Mortgage LLC 909 THIRD AVENUE 9TH FL NEW YORK, NY 10018 |
* | $ n/a | 2 | $ 510,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 170,000 |
| Meridian Bank 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ n/a | 2 | $ 590,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 430,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 2 | $ 230,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 2 | $ 240,000 |
| Home Mortgage Alliance Corp (Hmac) 4 HUTTON CENTER DR. SUITE 500 SANTA ANA, CA 92707 |
* | $ n/a | 2 | $ 130,000 |
| Burke & Herbert Bk & Tr Co 100 S. FAIRFAX ST ALEXANDRIA, VA 22315 |
* | $ n/a | 2 | $ 110,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 2 | $ 240,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 2 | $ 360,000 |
| Linkbank 32 W MARKET STREET CAMP HILL, PA 17011 |
* | $ n/a | 2 | $ 410,000 |
| Aberdeen Proving Ground FCU PO BOX 1176 ABERDEEN, MD 21001 |
* | $ n/a | 2 | $ 370,000 |
| Philadelphia Federal Credit Un 12800 TOWNSEND RD PHILADELPHIA, PA 19154 |
* | $ n/a | 2 | $ 170,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 2 | $ 310,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ n/a | 2 | $ 610,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 55,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 235,000 |
| Pike Creek Mortgage Services, Inc. 2100 DRUMMOND PLAZA NEWARK, DE 19711 |
* | $ n/a | 1 | $ 415,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ n/a | 1 | $ 455,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 195,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 145,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ n/a | 1 | $ 175,000 |
| Nasa Federal Credit Union 500 PRINCE GEORGE'S BLVD. UPPER MARLBORO, MD 20774 |
* | $ n/a | 1 | $ 575,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 195,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 265,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 155,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 75,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 185,000 |
| South River Mortgage, LLC 1750 FOREST DR SUITE 195 ANNAPOLIS, MD 21401 |
* | $ n/a | 1 | $ 55,000 |
| Gte Federal Credit Union 711 E HENDERSON AVENUE TAMPA, FL 33602 |
* | $ n/a | 1 | $ 105,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 75,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 155,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ n/a | 1 | $ 385,000 |
| Direct Mortgage Loans, LLC 111011 MCCORMICK RD, SUITE 400 HUNT VALLEY, MD 21031 |
* | $ n/a | 1 | $ 235,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 1 | $ 225,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 165,000 |
| Apple Federal Credit Union 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 65,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ n/a | 1 | $ 75,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 1 | $ 125,000 |
| Fidelity Direct Mortgage, LLC 438 NORTH FREDERICK AVE SUITE 315 GAITHERSBURG, MD 20877 |
* | $ n/a | 1 | $ 245,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 135,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 195,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 105,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 115,000 |
| Municipal Employees Credit Union ONE SOUTH STREET BALTIMORE, MD 21202 |
* | $ n/a | 1 | $ 185,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 145,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 225,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 295,000 |
| Originpoint, LLC 1800 W LARCHMONT AVE SUITE 305 CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 175,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ n/a | 1 | $ 215,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ n/a | 1 | $ 165,000 |
| United Trust Bank 12330 S. HARLEM AVENUE PALOS HEIGHTS, IL 60463 |
* | $ n/a | 1 | $ 185,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 245,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ n/a | 1 | $ 25,000 |
| Loansteady LLC 8401 GREENSBORO DRIVE SUITE 950 MCCLEAN, VA 22102 |
* | $ n/a | 1 | $ 165,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 1 | $ 305,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ n/a | 1 | $ 155,000 |
| Millennium Financial Group Inc dba Mlend 8803 BALTIMORE NATIONAL PIKE MIDDLETOWN, MD 21769 |
* | $ n/a | 1 | $ 135,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 85,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 175,000 |
| Dover Federal Credit Union 1075 SILVER LAKE BLVD DOVER, DE 19904 |
* | $ n/a | 1 | $ 345,000 |
| Cv3 Financial Services, LLC 2101 E EL SEGUNDO BLVD SUITE #203 EL SEGUNDO, CA 90245 |
* | $ n/a | 1 | $ 205,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 455,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 1 | $ 135,000 |
| Partners 1st Federal Credit Union 1330 DIRECTORS ROW FORT WAYNE, IN 46808 |
* | $ n/a | 1 | $ 85,000 |
| Del-One Federal Credti Union 270 BEISER BLVD DOVER, DE 19904 |
* | $ n/a | 1 | $ 55,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ n/a | 1 | $ 6,825,000 |
| Queenstown Bank of Maryland P.O. BOX 120 QUEENSTOWN, MD 21658 |
* | $ n/a | 1 | $ 165,000 |
| Arundel Federal Savings Bank 655 CRAIN HIGHWAY, S. GLEN BURNIE, MD 21061 |
* | $ n/a | 1 | $ 175,000 |
The tables below break down 2025 mortgage applications in Somerset County, MD by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Somerset County, MD in 2025
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 464 | $93,860,000 | $202,000 | $575,000 | $89,000 | $548,000 |
| Cash-out Refinancing | 179 | $30,595,000 | $170,000 | $695,000 | $85,000 | $557,000 |
| Refinancing | 101 | $28,045,000 | $277,000 | $6,825,000 | $81,000 | $326,000 |
| Other Purpose | 93 | $7,195,000 | $77,000 | $455,000 | $94,000 | $368,000 |
| Home Improvement | 73 | $5,515,000 | $75,000 | $275,000 | $108,000 | $346,000 |
| Not Applicable | 8 | $900,000 | $112,000 | $245,000 | $0 | $0 |
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 | 501 | $82,955,000 | $165,000 | $695,000 | $95,000 | $557,000 |
| Black or African American | 140 | $24,830,000 | $177,000 | $415,000 | $80,000 | $366,000 |
| Not Provided | 126 | $22,130,000 | $175,000 | $575,000 | $86,000 | $372,000 |
| Not applicable | 114 | $30,220,000 | $265,000 | $6,825,000 | $79,000 | $234,000 |
| Hispanic | 25 | $4,065,000 | $162,000 | $305,000 | $70,000 | $134,000 |
| American Indian or Alaskan Native | 8 | $1,000,000 | $125,000 | $175,000 | $66,000 | $92,000 |
| Asian | 3 | $735,000 | $245,000 | $455,000 | $141,000 | $287,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $68,000 | $68,000 |
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) | 560 | $88,820,000 | $158,000 | $6,825,000 | $97,000 | $557,000 |
| FHA-insured (Federal Housing Administration) | 231 | $44,925,000 | $194,000 | $445,000 | $72,000 | $213,000 |
| VA-guaranteed (Veterans Administration) | 108 | $28,770,000 | $266,000 | $695,000 | $87,000 | $314,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,595,000 | $189,000 | $275,000 | $85,000 | $134,000 |
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 | 378 | $75,900,000 | $200,000 | $6,825,000 | $98,000 | $557,000 |
| Application Denied By Financial Institution | 197 | $26,815,000 | $136,000 | $605,000 | $82,000 | $445,000 |
| Application Withdrawn By Applicant | 139 | $25,515,000 | $183,000 | $675,000 | $81,000 | $290,000 |
| Loan Purchased By The Institution | 118 | $24,220,000 | $205,000 | $695,000 | $75,000 | $234,000 |
| File Closed For Incompleteness | 52 | $8,300,000 | $159,000 | $455,000 | $86,000 | $300,000 |
| Application Approved But Not Accepted | 34 | $5,360,000 | $157,000 | $605,000 | $108,000 | $305,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 714 | $137,680,000 | $192,000 | $6,825,000 | $92,000 | $557,000 |
| Credit History | 58 | $6,070,000 | $104,000 | $345,000 | $75,000 | $368,000 |
| Debt-To-Income Ratio | 57 | $8,855,000 | $155,000 | $605,000 | $68,000 | $305,000 |
| Credit Application Incomplete | 33 | $5,665,000 | $171,000 | $605,000 | $107,000 | $326,000 |
| Collateral | 25 | $3,905,000 | $156,000 | $575,000 | $116,000 | $445,000 |
| Other | 15 | $1,705,000 | $113,000 | $225,000 | $68,000 | $172,000 |
| Unverifiable Information | 9 | $1,225,000 | $136,000 | $195,000 | $109,000 | $372,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $940,000 | $156,000 | $265,000 | $58,000 | $74,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $75,000 | $75,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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