Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Charles County, Maryland
Every institution that decided a 1–4 unit mortgage application in Charles County, home to La Plata, between 2023 and 2025: 17,563 applications, 12,896 loans actually funded, across 8 kinds of borrowing.
Charles County at a glance
17,563Applications decided
2023–2025
12,896Loans funded
73% of decisions
35Census tracts
13 ZIP codes
168,710People
ACS 2023
What the data shows
The typical purchase mortgage here is $425K.
Investment home improvement is the hardest money to get here: lenders approved 40% of 104 applications.
Lending by loan type in Charles County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.3% | 9,066 | $425K | 98% | 328 |
| Home improvement loans | 52.2% | 2,137 | $65K | 93% | 93 |
| Cash-out refinance | 63.8% | 3,369 | $155K | 94% | 180 |
| Refinance | 78.5% | 2,301 | $435K | 86% | 188 |
| Investment property purchase | 81.1% | 355 | $255K | 94% | 102 |
| Investment cash-out refinance | 61.2% | 157 | $215K | 92% | 66 |
| Investment refinance | 67.6% | 74 | $205K | 94% | 44 |
| Investment home improvement | 40.4% | 104 | $75K | 95% | 29 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.