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2024 data HMDA 2024 disclosure official source

Anne Arundel County

24,743 mortgage applications, 15.5% denial rate. Verify FIPS 24003 with U.S. Census Bureau →

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Maryland · FIPS 24003

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.

FIPS 24003 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

24,743
Applications
12,869
Originated
15.5%
Denial Rate
52.0%
Approval Rate
$358,053
Avg Loan Amount
7.20%
Avg Interest Rate
$38K
Avg Applicant Income
9.4x
Loan-to-Income Ratio

Nearby Lenders in Anne Arundel County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# 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%
Compare Navy Federal Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Anne Arundel County?
In the 2024 HMDA reporting year, 24,743 mortgage applications were filed in Anne Arundel County, Maryland. Of these, 12,869 were originated (approved and funded), while 3,836 were denied, resulting in a denial rate of 15.5%.
What is the mortgage denial rate in Anne Arundel County?
The mortgage denial rate in Anne Arundel County is 15.5%. The approval (origination) rate is 52.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Anne Arundel County?
The average mortgage loan amount in Anne Arundel County is $358,053. The average interest rate is 7.197%. The average applicant income is $38K.
What is the loan-to-income ratio in Anne Arundel County?
The average loan-to-income ratio in Anne Arundel County is 9.4x, meaning borrowers took on loans averaging 9.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Anne Arundel County?
The top mortgage lenders in Anne Arundel County by origination volume are Navy Federal Credit Union, Rocket Mortgage, United Wholesale Mortgage. In total, 412 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.