Anne Arundel County
Maryland · FIPS 24003
According to CFPB HMDA 2024 application volume among U.S. counties, Anne Arundel County ranks #97 of 3,210, and #4 of 24 in Maryland.
Mortgage lending activity in Anne Arundel County, Maryland based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Anne Arundel County, Maryland saw 24,743 HMDA-reported mortgage applications in 2024. Lenders originated 12,869 of those loans and denied 3,836, producing a denial rate of 15.5% and an approval (origination) rate of 52.0%. The average loan amount was $358,053 at an average note rate of 7.20%, with applicants self-reporting average annual income of $38K. 412 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 9.4x, meaning typical borrowers took on mortgages of about 9.4 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Anne Arundel County
In Anne Arundel County, lead originator Navy Federal Credit Union funded only 6.7% of 12,869 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Anne Arundel County's 24,743 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Anne Arundel County's $358,053 average loan (deduped against volume peers).
Lenders active in Anne Arundel County
Navy Federal Credit Union funded 866 of the 12,869 loans originated in Anne Arundel County, 6.7% of the county. 412 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Navy Federal Credit Union | 866 | 6.7% |
| 2 | Rocket Mortgage | 844 | 6.6% |
| 3 | United Wholesale Mortgage | 695 | 5.4% |
| 4 | First Home Mortgage | 498 | 3.9% |
| 5 | Tower Federal Credit Union | 478 | 3.7% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Anne Arundel County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Anne Arundel County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.