Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for St. Mary's County, Maryland
Every institution that decided a 1–4 unit mortgage application in St. Mary's County, home to Leonardtown, between 2023 and 2025: 8,396 applications, 6,745 loans actually funded, across 8 kinds of borrowing.
St. Mary's County at a glance
8,396Applications decided
2023–2025
6,745Loans funded
80% of decisions
22Census tracts
8 ZIP codes
114,372People
ACS 2023
What the data shows
Lenders approved 92.4% of home-purchase applications in St. Mary's County, 3.2 points above the Maryland rate.
The typical purchase mortgage here is $375K.
Lending by loan type in St. Mary's County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.4% | 4,312 | $375K | 98% | 228 |
| Home improvement loans | 66.6% | 988 | $65K | 96% | 55 |
| Cash-out refinance | 70.8% | 1,498 | $155K | 97% | 115 |
| Refinance | 81.1% | 1,064 | $395K | 91% | 113 |
| Investment property purchase | 88.8% | 285 | $235K | 94% | 103 |
| Investment cash-out refinance | 71.9% | 135 | $215K | 96% | 60 |
| Investment refinance | 70.0% | 50 | $275K | 86% | 34 |
| Investment home improvement | 40.6% | 64 | $155K | 100% | 21 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.