Applications / Mortgage Analytics / Lenders / Maryland / Queenstown Bank of Maryland
Queenstown, MD · State non-member bank · FDIC · $715 million assets · 80 loans in 2025
Queenstown Bank of Maryland's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
80
loans originated, 2025
99
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Queenstown Bank of Maryland makes bigger loans than most banks its size, and its lending rose 38% in 2025 after two years of decline.
Its typical loan was $280,000 in 2025, against $170,000 at similar lenders, meaning state non-member banks making between half and twice as many loans. That is higher than more than four in five of them. Jumbo loans, those larger than the conforming limit, made up 8.3% of its lending against 1.6% for peers. So with a loan count near the middle of the group, it lent $33.4 million, well above the peer figure of $22.2 million.
It made 80 loans, up 38%, while similar lenders grew by 9% and the whole market by 10%. The rise follows a slide from 130 loans in 2022 to 58 in 2024. Even after the rebound it lends less than it did in 2020, when it made 142 loans.
Some 31.8% of its loans went to low- and moderate-income (LMI) borrowers, more than at nearly two-thirds of peers. Only 8.8% went to LMI neighborhoods, against 18.6% for peers, and none to majority-minority neighborhoods. Its loans are larger than most peers', which may point to buyers in better-off areas, and its biggest market lies outside the metro areas.
Its biggest market is non-metro Maryland, where it has lent since 1998 and ranks 30 of 383 lenders. It has lent in the Baltimore area since at least 1990, and in 2025 it made its first loans in Port St. Lucie, Florida.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Queenstown Bank of Maryland took 99 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.3% · Refinance 22.5% · Other 6.3% · Home improvement 5.0%
Conventional 100.0% · of 80 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 | 75 | 93.8% |
| Delaware | 4 | 5.0% |
| Florida | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 41 |
| Dover | 1 |
| Port St. Lucie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MPX7PJGFD8HA09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 429021 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38816 | 1990–2017 |
Established 1 January 1899. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Queenstown Bank of Maryland's data.
Queenstown Bank of Maryland's data
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Queenstown Bank of Maryland 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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