2025 activity year · Official source proof
Maryland mortgage market
Reported mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated55.3% · 126,664
Approved, not accepted3.4% · 7,762
Denied18.7% · 42,745
Withdrawn15.5% · 35,539
File closed for incompleteness6.4% · 14,641
Preapproval denied0.1% · 179
Preapproval approved, not accepted0.6% · 1,418
“Originated” means the reported application resulted in a loan. It is not an approval probability for a future applicant.
Loan purpose
Why people applied
41%Home purchase
- Home purchase40.6%
- Home improvement10.7%
- Other purpose13.0%
- Not applicable0.0%
- Refinancing16.5%
- Cash-out refinancing19.1%
Next source gate
Denial reasons are not published yet.
That analysis requires the raw modified-LAR pipeline, reason-code reconciliation, and small-cell review. We will not fill the gap with estimates or unsupported conclusions.
Need help understanding a mortgage decision?
Find official helpA HUD-approved housing counselor can offer independent guidance based on your circumstances.
Data provenance
Every published number will carry its source.
This profile identifies the activity year, cohort rules, source endpoint, response hash, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 2, 2026.