Applications / Mortgage Analytics / Lenders / Maryland / Jarrettsville Federal Savings and Loan Association
Jarrettsville, MD · Savings institution · OCC · $165 million assets · 28 loans in 2025
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28
loans originated, 2025
33
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jarrettsville Federal Savings and Loan Association, a small Maryland savings institution that has reported since 1990, doubled its mortgage lending in 2025, to 28 loans.
It made 28 loans, up from 14 in 2024, while similar lenders, savings institutions making between half and twice as many loans, made 7% fewer. The rise returns it to its usual level: 33 loans in 2018, 31 in 2019 and 32 in 2023. It filed no reports for 2020 to 2022; those are gaps in the record, not years without lending.
Purchases made up 78.6% of its loans, with home improvement and refinances the rest. Every loan was conventional. With so few loans, the shares going to poorer borrowers or neighborhoods are too small to read much into.
Its home market is Baltimore, where it has lent since 1990 and ranks 270th of 592 lenders. It also lends around York, Pennsylvania, since 1994, and in rural Delaware since 2024, eight counties in three states in all. In 2021 it changed charter and joined the Federal Reserve System.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Jarrettsville Federal Savings and Loan Association took 33 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.6% · Home improvement 10.7% · Refinance 10.7%
Conventional 100.0% · of 28 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 | 25 | 89.3% |
| Pennsylvania | 2 | 7.1% |
| Delaware | 1 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 19 |
| Wilmington | 2 |
| York-Hanover | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JEBZPKAD7H6427 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 613978 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46351 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706351 | 2011–2017 |
Established 1 January 1876. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Jarrettsville Federal Savings and Loan Association's data.
Jarrettsville Federal Savings and Loan Association's data
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Jarrettsville Federal Savings and Loan Association 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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