Talbot County
Maryland · FIPS 24041
According to CFPB HMDA 2024 application volume among U.S. counties, Talbot County ranks #1,129 of 3,210, and #20 of 24 in Maryland.
Mortgage lending activity in Talbot 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. Talbot County, Maryland saw 1,462 HMDA-reported mortgage applications in 2024. Lenders originated 841 of those loans and denied 204, producing a denial rate of 13.9% and an approval (origination) rate of 57.5%. The average loan amount was $382,367 at an average note rate of 7.22%, with applicants self-reporting average annual income of $38K. 148 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.1x, meaning typical borrowers took on mortgages of about 10.1 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 Talbot County
In Talbot County, lead originator Shore United Bank, N.A. funded 14.6% of 841 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 27.7% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Talbot County's 1,462 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Talbot County's $382,367 average loan (deduped against volume peers).
Lenders active in Talbot County
Shore United Bank, N.A. funded 123 of the 841 loans originated in Talbot County, 14.6% of the county. 148 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Shore United Bank, N.A. | 123 | 14.6% |
| 2 | Rocket Mortgage | 60 | 7.1% |
| 3 | Bay Capital Mortgage Corporation | 50 | 5.9% |
| 4 | First Home Mortgage | 35 | 4.2% |
| 5 | Bank of America NA | 35 | 4.2% |
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 Talbot 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 Talbot 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.