Applications / Mortgage Analytics / Lenders / Maryland / Cazle Mortgage
White Marsh, MD · Independent non-bank lender · CFPB · 302 loans in 2025
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302
loans originated, 2025
364
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cazle Mortgage, a Maryland non-bank lender, makes most of its loans with federal backing and lends far more in poorer neighborhoods than lenders of its size.
Loans insured by the Federal Housing Administration (FHA) made up 41.1% of its lending. Similar lenders, here other independent non-bank lenders making between half and twice as many loans, made 17.1%. Loans guaranteed by the Department of Veterans Affairs (VA) were 14.2%, against 4.1%.
Low- and moderate-income (LMI) neighborhoods took 31.9% of its loans, against 18.6% at similar lenders, a higher share than about nine in ten of them. LMI borrowers took 32.0%, against 21.5%. That fits a lender built on FHA loans. Its typical rate, 6.38%, was lower than at about three in four peers.
Its loans fell 32% in 2025, to 302 from 441, while similar lenders grew 4%. That was among the steepest falls in its peer group. The 2024 figure had itself been a rebound from 358 in 2023. It made 672 loans in 2020. A lender of its size can see its count move a long way with a few loan officers or a change in the markets it pursues.
In Baltimore-Columbia-Towson, its home market since 2015, its share fell to 0.2% from 0.4%, a rank of 109 of 592. In Cape Coral-Fort Myers, which it entered in 2021, its share rose to 0.2% from 0.1%. It also gained in Naples-Marco Island and Charleston-North Charleston. The pattern may reflect a shift of effort toward newer markets as total lending fell.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Cazle Mortgage took 364 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.2% · Refinance 26.2% · Home improvement 4.6%
Conventional 44.7% · FHA 41.1% · VA 14.2% · of 302 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 | 118 | 39.1% |
| Florida | 64 | 21.2% |
| South Carolina | 58 | 19.2% |
| Massachusetts | 9 | 3.0% |
| California | 8 | 2.6% |
| Virginia | 7 | 2.3% |
| North Carolina | 6 | 2.0% |
| New Jersey | 6 | 2.0% |
| Ohio | 5 | 1.7% |
| Delaware | 4 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 104 |
| Charleston-North Charleston | 46 |
| Cape Coral-Fort Myers | 40 |
| Naples-Marco Island | 13 |
| Washington | 9 |
| Wilmington | 6 |
| Charlotte-Concord-Gastonia | 5 |
| Boston | 3 |
| Cambridge-Newton-Framingham | 3 |
| Myrtle Beach-Conway-North Myrtle Beach | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SUZ313OILKVD67 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5027299 | 2022–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7522178654 | 2015–2015 |
Established 21 June 1999. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Cazle Mortgage's data.
Cazle Mortgage's data
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Cazle Mortgage 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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