Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Frederick County, Maryland
Every institution that decided a 1–4 unit mortgage application in Frederick County between 2023 and 2025: 22,585 applications, 18,121 loans actually funded, across 8 kinds of borrowing.
Frederick County at a glance
22,585Applications decided
2023–2025
18,121Loans funded
80% of decisions
65Census tracts
20 ZIP codes
280,341People
ACS 2023
What the data shows
Lenders approved 92.5% of home-purchase applications in Frederick County, 3.3 points above the Maryland rate.
The typical purchase mortgage here is $415K.
Lending by loan type in Frederick County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.5% | 11,537 | $415K | 98% | 378 |
| Home improvement loans | 65.5% | 3,260 | $105K | 94% | 115 |
| Cash-out refinance | 72.4% | 3,238 | $145K | 95% | 200 |
| Refinance | 79.8% | 3,255 | $395K | 93% | 242 |
| Investment property purchase | 88.5% | 968 | $285K | 97% | 185 |
| Investment cash-out refinance | 73.7% | 118 | $235K | 89% | 72 |
| Investment refinance | 78.3% | 120 | $295K | 95% | 62 |
| Investment home improvement | 37.1% | 89 | $85K | 97% | 34 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.