Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Baltimore city, Maryland
Every institution that decided a 1–4 unit mortgage application in Baltimore city between 2023 and 2025: 38,914 applications, 27,188 loans actually funded, across 8 kinds of borrowing.
Baltimore city at a glance
38,914Applications decided
2023–2025
27,188Loans funded
70% of decisions
199Census tracts
25 ZIP codes
577,193People
ACS 2023
What the data shows
The typical purchase mortgage here is $255K.
Investment home improvement is the hardest money to get here: lenders approved 33% of 591 applications.
Lending by loan type in Baltimore city
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.3% | 17,938 | $255K | 97% | 406 |
| Home improvement loans | 39.3% | 3,444 | $55K | 89% | 111 |
| Cash-out refinance | 53.8% | 4,433 | $135K | 93% | 210 |
| Refinance | 68.4% | 2,629 | $235K | 90% | 224 |
| Investment property purchase | 80.2% | 4,936 | $155K | 91% | 302 |
| Investment cash-out refinance | 72.2% | 3,032 | $155K | 85% | 193 |
| Investment refinance | 74.4% | 1,911 | $165K | 80% | 188 |
| Investment home improvement | 33.3% | 591 | $75K | 94% | 79 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.