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MIDDLETOWN VALLEY BANK

MIDDLETOWN, MD

MIDDLETOWN VALLEY BANK processed 98 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 86 loans with a 3.1% denial rate. Home Purchase was the primary loan purpose. Based in MIDDLETOWN, MD. The approval rate of 87.8% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. MIDDLETOWN VALLEY BANK processed 98 HMDA-reported mortgage applications in 2024, originating 86 loans and denying 3 for a denial rate of 3.1% (applicants themselves withdrew 6 files before a decision). The average loan amount was $496,224. The lender reports under LEI 5493002YYAGPQ7L1YS68 from MIDDLETOWN, MD.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. MIDDLETOWN VALLEY BANK's 87.8% origination rate tells you how often an application turned into funded money; the 3.1% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (98 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

98
Applications
86
Originated
3.1%
Denial Rate
$496,224
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 98 86 3 $496,224

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for MIDDLETOWN VALLEY BANK (LEI: 5493002YYAGPQ7L1YS68) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 94 82 $508,617
Refinancing 2 2 $215,000
Other 2 2 $195,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 56 85.7% 3.6%
Asian 4 100.0% 0.0%
Black or African American 2 100.0% 0.0%
Native Hawaiian or Other Pacific Islander 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 56 85.7% 3.6%
Hispanic or Latino 2 100.0% 0.0%
Joint 2 100.0% 0.0%

Nearby Lenders in MD

Other HMDA-reporting lenders in MD with similar activity. Compare any two side-by-side.

LOWER, LLC

COLUMBIA, MD

27,730 apps 17,412 originated 9.4% denied

NFM, INC

LINTHICUM, MD

22,075 apps 17,246 originated 1.9% denied

First Home Mortgage

Baltimore, MD

7,187 apps 5,538 originated 2.8% denied

TOWER FEDERAL CREDIT UNION

LAUREL, MD

6,022 apps 3,449 originated 31.0% denied

State Employees Credit Union of Maryland

Linthicum, MD

5,814 apps 2,602 originated 42.7% denied
Compare MIDDLETOWN VALLEY BANK vs LOWER, LLC →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did MIDDLETOWN VALLEY BANK process?
MIDDLETOWN VALLEY BANK processed 98 mortgage applications in the 2023 HMDA reporting year. Of these, 86 were originated (approved and funded), 6 were withdrawn by the applicant, and 3 were denied.
What is MIDDLETOWN VALLEY BANK's mortgage approval rate?
MIDDLETOWN VALLEY BANK has an approval (origination) rate of 87.8%, meaning 87.8% of all applications resulted in a funded mortgage. The denial rate is 3.1%.
What is the average loan amount at MIDDLETOWN VALLEY BANK?
The average mortgage loan amount at MIDDLETOWN VALLEY BANK is $496,224.
What types of mortgage loans does MIDDLETOWN VALLEY BANK offer?
MIDDLETOWN VALLEY BANK processes Conventional loans. The most common type is Conventional with 98 applications and an average loan amount of $496,224.
What loan purposes does MIDDLETOWN VALLEY BANK serve?
MIDDLETOWN VALLEY BANK serves the following loan purposes: Home Purchase (94 applications), Refinancing (2 applications), Other (2 applications). Home Purchase is the most common purpose.
Where is MIDDLETOWN VALLEY BANK located?
MIDDLETOWN VALLEY BANK is headquartered in MIDDLETOWN, MD. The lender is identified by LEI 5493002YYAGPQ7L1YS68 in HMDA data.
How does MIDDLETOWN VALLEY BANK compare in lending across racial demographics?
MIDDLETOWN VALLEY BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 85.7% and denial rate of 3.6%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%; Black or African American applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.