Applications / Mortgage Analytics / Lenders / Maryland / Rosedale Bank
Nottingham, MD · Savings institution · OCC · $1.3 billion assets · 172 loans in 2025
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172
loans originated, 2025
215
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rosedale Bank, a Maryland savings institution, more than tripled its lending in 2025, to 172 loans, as it began making loans guaranteed by the Department of Veterans Affairs.
Its loan count rose 213%, while similar lenders (savings institutions making between half and twice as many loans) grew 6% and the whole market 10%. Its dollar volume rose to $91.3 million from $18.9 million. The 2024 count was its lowest in years: it had made 250 loans in 2020.
VA loans (guaranteed by the Department of Veterans Affairs) made up 17.4% of its lending, against 0.0% in 2024. FHA loans (insured by the Federal Housing Administration) were 5.8%. The typical similar lender made neither. Purchases were 83.1% of its loans.
Its typical loan was $440,000, against $230,000 at similar lenders, larger than at more than four in five of them. Jumbo loans (larger than the conforming limit) were 10.1% of its lending, against 2.4%. It turned down 2.3% of purchase applications, against 7.4% at its peers.
In Baltimore-Columbia-Towson, MD it ranked 50 of 592 lenders, and its share rose to 0.4% from 0.1%; Rocket Mortgage led. Majority-minority neighborhoods took 19.8% of its loans, against 5.3% at peers. In 2025 it lent for the first time in Virginia Beach-Chesapeake-Norfolk, NC-VA and Albany-Schenectady-Troy, NY.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rosedale Bank took 215 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.1% · Refinance 14.0% · Other 1.7% · Home improvement 1.2%
Conventional 76.7% · VA 17.4% · FHA 5.8% · of 172 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maryland | 170 | 98.8% |
| New York | 1 | 0.6% |
| Virginia | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 153 |
| Washington | 6 |
| Lexington Park | 5 |
| Albany-Schenectady-Troy | 1 |
| Frederick-Gaithersburg-Bethesda | 1 |
| Virginia Beach-Chesapeake-Norfolk | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YHPEPV6KF30T16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 86675 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43758 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703758 | 2011–2017 |
Established 1 January 1908. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Rosedale Bank's data.
Rosedale Bank's data
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Rosedale Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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