Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Howard County, Maryland
Every institution that decided a 1–4 unit mortgage application in Howard County between 2023 and 2025: 20,475 applications, 16,042 loans actually funded, across 8 kinds of borrowing.
Howard County at a glance
20,475Applications decided
2023–2025
16,042Loans funded
78% of decisions
59Census tracts
15 ZIP codes
333,916People
ACS 2023
What the data shows
The typical purchase mortgage here is $475K.
Investment home improvement is the hardest money to get here: lenders approved 40% of 113 applications.
Lending by loan type in Howard County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.9% | 10,597 | $475K | 97% | 392 |
| Home improvement loans | 65.4% | 3,274 | $105K | 95% | 120 |
| Cash-out refinance | 71.0% | 2,791 | $165K | 95% | 204 |
| Refinance | 79.6% | 2,852 | $445K | 95% | 240 |
| Investment property purchase | 85.6% | 582 | $315K | 97% | 176 |
| Investment cash-out refinance | 72.2% | 158 | $225K | 91% | 75 |
| Investment refinance | 75.0% | 108 | $275K | 93% | 61 |
| Investment home improvement | 39.8% | 113 | $105K | 93% | 37 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.