Applications / Mortgage Analytics / Lenders / Maryland / Ivy Mortgage
Fulton, MD · Non-bank or government lender · CFPB · 129 loans in 2025
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129
loans originated, 2025
213
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ivy Mortgage, a non-bank lender based in Fulton, Maryland, spread 129 loans, mostly refinances, across 17 states in 2025, and grew while similar lenders shrank.
Its 129 loans reached 60 counties in 17 states, with Pennsylvania the busiest. Its largest markets are Philadelphia, New York, Washington, Atlanta and Seattle, where it ranks in the hundreds: 331st of 784 lenders around Philadelphia. Refinances made up 64.3% of its loans, and all were conventional.
It made 21% more loans than in 2024, while similar lenders, non-bank lenders making between half and twice as many loans, made 5% fewer. That is faster growth than at three in four of them. It remains far smaller than in 2020, when it made 2,189 loans.
Its typical loan was $435,000, against $365,000 for similar lenders. Its typical rate, 6.12%, was lower than at more than four in five of them, whose typical rate was 6.72%, and none of its loans was higher-priced.
Only 3.9% of its borrowers had low or moderate incomes, against 21.5% for similar lenders, a lower share than at more than nine in ten. Larger loans and a refinance-heavy business, serving owners who already hold a home, may account for much of that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ivy Mortgage took 213 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 64.3% · Purchase 35.7%
Conventional 100.0% · of 129 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 |
|---|---|---|
| Pennsylvania | 17 | 13.2% |
| Maryland | 16 | 12.4% |
| Tennessee | 11 | 8.5% |
| California | 10 | 7.8% |
| Texas | 10 | 7.8% |
| Georgia | 9 | 7.0% |
| North Carolina | 8 | 6.2% |
| New Jersey | 8 | 6.2% |
| Virginia | 8 | 6.2% |
| Delaware | 7 | 5.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 12 |
| Frederick-Gaithersburg-Bethesda | 8 |
| Knoxville | 8 |
| Wilmington | 8 |
| Atlanta-Sandy Springs-Roswell | 7 |
| Baltimore-Columbia-Towson | 7 |
| New York-Jersey City-White Plains | 6 |
| Seattle-Bellevue-Kent | 5 |
| Cambridge-Newton-Framingham | 4 |
| Dallas-Plano-Irving | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002G4JO4BZ22MC13 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7272105834 |
Established 2 March 2010. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Ivy Mortgage's data.
Ivy Mortgage's data
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