Lender in Maryland · HMDA 2025
Towne Bank mortgages in Maryland
Towne Bank's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Towne Bank originated 1,444 owner-occupied single-family loans in Maryland from 1,515 completed applications, making it the state's #10 lender by volume.
Its median conventional purchase loan costs were $5,540 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.625% (Maryland: 6.625%).
Loans in MD
1,444
of 1,515 applications
Denial rate
3.1%
Purchase · MD 8.6%
Rate spread
+0.17 pts
Conv. · MD +0.14 pts
Loan amount
$365,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,359 | 1,300 | 3.1% | 6.625% | +0.17 pts | $5,540 | $365,000 |
| Refinance | 78 | 76 | 2.6% | 6.125% | −0.11 pts | $4,910 | $425,000 |
| Cash-out refinance | 78 | 68 | 9.0% | 6.750% | +0.09 pts | $5,300 | $365,000 |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where Towne Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Frederick County | 6 | 112 | 2.4% |
| Howard County | 6 | 92 | 2.3% |
| Calvert County | 6 | 54 | 3.4% |
| St. Mary's County | 7 | 68 | 3.8% |
| Anne Arundel County | 8 | 230 | 2.6% |
| Carroll County | 8 | 52 | 2.2% |
| Queen Anne's County | 9 | 23 | 2.3% |
| Montgomery County | 10 | 234 | 2.2% |
| Talbot County | 10 | 10 | 2.2% |
| Caroline County | 11 | 7 | 1.5% |
| Charles County | 13 | 65 | 1.8% |
| Prince George's County | 14 | 166 | 1.5% |
| Washington County | 14 | 32 | 1.6% |
| Baltimore County | 15 | 141 | 1.5% |
| Harford County | 16 | 69 | 1.8% |
| Kent County | 16 | 3 | 1.3% |
| Baltimore city | 23 | 65 | 1.1% |
| Dorchester County | 25 | 5 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology