Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Washington County, Maryland
Every institution that decided a 1–4 unit mortgage application in Washington County, home to Hagerstown, between 2023 and 2025: 10,807 applications, 8,097 loans actually funded, across 8 kinds of borrowing.
Washington County at a glance
10,807Applications decided
2023–2025
8,097Loans funded
75% of decisions
36Census tracts
11 ZIP codes
155,033People
ACS 2023
What the data shows
The typical purchase mortgage here is $285K.
Lending by loan type in Washington County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.9% | 5,104 | $285K | 97% | 294 |
| Home improvement loans | 59.3% | 1,471 | $65K | 93% | 84 |
| Cash-out refinance | 69.2% | 1,795 | $165K | 95% | 159 |
| Refinance | 77.7% | 1,450 | $195K | 91% | 154 |
| Investment property purchase | 84.9% | 596 | $195K | 96% | 143 |
| Investment cash-out refinance | 74.9% | 171 | $185K | 88% | 64 |
| Investment refinance | 80.4% | 158 | $175K | 91% | 56 |
| Investment home improvement | 51.6% | 62 | $105K | 91% | 26 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.