Mortgage Approval and Denial Rates in Maryland (2025 HMDA)
Mortgage denial rates in Maryland: lenders acted on 225,152 mortgage applications in Maryland in 2025 and denied 18.6% of them, down from 19.9% in 2024. The national denial rate was 17.7%.
Applications acted on
225,152
Loans originated
125,573
Denial rate
18.6%
Median loan
$265,000
Maryland against the national picture
Most-reported denial reason in Maryland: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Somerset County | 800 | 24.6% | $155,000 |
| Prince George's County | 35,940 | 23.3% | $305,000 |
| Baltimore city | 20,481 | 21.8% | $175,000 |
| Caroline County | 1,348 | 20.9% | $205,000 |
| Wicomico County | 3,741 | 20.5% | $195,000 |
| Dorchester County | 1,514 | 20.1% | $215,000 |
| Baltimore County | 27,517 | 19.5% | $235,000 |
| Washington County | 5,719 | 18.7% | $205,000 |
| Charles County | 9,571 | 18.6% | $365,000 |
| Kent County | 750 | 18.4% | $215,000 |
| Worcester County | 3,954 | 17.9% | $255,000 |
| Montgomery County | 28,850 | 17.4% | $345,000 |
| Allegany County | 1,871 | 17.2% | $115,000 |
| Anne Arundel County | 24,101 | 16.8% | $315,000 |
| Queen Anne's County | 2,728 | 16.4% | $295,000 |
| Cecil County | 4,104 | 16.3% | $225,000 |
| Howard County | 11,407 | 16.0% | $355,000 |
| Harford County | 10,333 | 15.7% | $245,000 |
| Calvert County | 4,306 | 15.7% | $305,000 |
| Talbot County | 1,466 | 15.0% | $265,000 |
| Frederick County | 12,305 | 14.8% | $305,000 |
| St. Mary's County | 4,556 | 14.7% | $305,000 |
| Carroll County | 6,666 | 14.5% | $255,000 |
| Garrett County | 1,124 | 14.5% | $215,000 |
Find out what you'd be approved for in Maryland
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.