Finance Atlas

Banking & Mortgage-Lending Access in Maryland

340 FDIC-insured institutions (28 currently active) are recorded in Maryland in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 25.9% in Maryland.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

340
FDIC institutions (total)
28
Currently active
25.9%
Overall denial rate (HMDA 2024)
116,805
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Maryland?

FDIC BankFind records 340 FDIC-insured institutions (all historical) in Maryland, of which 28 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 340
Currently active 28

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Maryland?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Maryland:

Charter class Description Count
NM State non-member bank (Fed non-member) 113
SB Savings bank (state-chartered) 77
N National bank (OCC-chartered) 54
SL Savings institution (state-chartered S&L) 50
SM State member bank (Fed member) 37
SI Savings institution (OTS-supervised) 7
NS Non-member savings bank (state-chartered) 1
NC Non-deposit trust company 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Maryland? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 25.9% in Maryland. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 25.9%
White applicants 20.5%
Black applicants 34.3%
Black/White denial rate ratio 1.67x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=MD

Mortgage origination volume in Maryland (2024)

HMDA 2024 data record 116,805 originated mortgage loans in Maryland , totaling $40.6B , with an average loan size of $347,508.

Metric Value
Originated loans (2024) 116,805
Total origination volume $40.6B
Average loan size $347,508

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=MD

Data exported June 20, 2026 · content hash 1dbc06b6e541cf29 · machine-readable brief: /finance/states/md/context.md

Where to act