Applications / Mortgage Analytics / Lenders / Maryland / Dominion Financial Services
Baltimore, MD · Non-bank or government lender · CFPB · 2,639 loans in 2025
Dominion Financial Services's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,639
loans originated, 2025
4,824
applications, 2025
49
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dominion Financial Services, a Baltimore lender making only conventional loans in 49 states, has more than quadrupled its lending since 2020.
Its typical loan was $185,000, against $305,000 at similar lenders, which are non-bank or government lenders making between half and twice as many loans. That is smaller than at about five in six of them. It lends in 253 metros, but carries little weight in any: in Baltimore, its home market, it ranks 76 of 592. Refinances were 54.1% of its loans and purchases 45.9%, all conventional.
It made 581 loans in 2020 and 2,196 in 2021, and has stayed above 2,000 a year since. In 2025 its loans rose 9% to 2,639, in line with the whole market's 10% but lower than the 28% of the typical peer.
Low- and moderate-income neighborhoods received 52.4% of its loans, against 35.4% at similar lenders, a higher share than at about four in five of them. Five years before, the figure was 40.6%. Majority-minority neighborhoods took 51.4%, close to its peers' 47.3%.
Its typical rate was 7.62%, close to the 7.50% of its peers and unchanged from 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dominion Financial Services took 4,824 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.1% · Purchase 45.9%
Conventional 100.0% · of 2,639 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 | 270 | 10.2% |
| Ohio | 262 | 9.9% |
| Florida | 244 | 9.2% |
| Texas | 183 | 6.9% |
| Pennsylvania | 140 | 5.3% |
| Georgia | 128 | 4.9% |
| North Carolina | 127 | 4.8% |
| Missouri | 105 | 4.0% |
| Indiana | 98 | 3.7% |
| Michigan | 96 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 215 |
| Cleveland | 84 |
| Cincinnati | 82 |
| Kansas City | 65 |
| Chicago-Naperville-Schaumburg | 59 |
| Philadelphia | 56 |
| St. Louis | 51 |
| Houston-Pasadena-The Woodlands | 48 |
| Louisville/Jefferson County | 48 |
| Atlanta-Sandy Springs-Roswell | 45 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C8GOC4OYUV0Z32 | 2018–2025 |
Established 26 March 2002. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Dominion Financial Services's data.
Dominion Financial Services's data
$215
Dominion Financial Services 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.
Buy Dominion Financial Services's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]