Applications / Mortgage Analytics / Lenders / Maryland / Millennium Financial Group
Middletown, MD · Non-bank subsidiary of a bank · CFPB · 191 loans in 2025
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191
loans originated, 2025
233
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Millennium Financial Group, a Maryland mortgage arm of a bank, gives a larger share of its loans to borrowers of modest means than any of its peers, but its volume fell by a fifth in 2025.
Low- and moderate-income borrowers took 49.2% of its loans, the highest share among similar lenders, non-bank subsidiaries of banks making between a quarter and four times as many loans; their typical share was 25.9%. Five years before, its own share was 29.3%. Its typical loan, $235,000, was smaller than at all but a few of them.
Loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) were 7.9% of its book, against 0.6% at similar lenders, and up from 3.3% the year before. That fits its markets: non-metro Maryland is its largest, where it ranked 41 of 383 lenders. Purchases made up 82.2% of its loans.
Its loans fell 21%, to 191, while similar lenders grew 5% and the whole market 10%. The fall came after a jump from 147 in 2023 to 243 in 2024, so 2025 still sits above 2023. Its shares slipped in Hagerstown-Martinsburg, from 0.7% to 0.6%, and in Winchester. The share of its loans insured by the Federal Housing Administration (FHA) fell from 22.6% to 14.1%, which may reflect changes in what its borrowers sought.
It made 796 loans in 2020 and 651 in 2021, then fell to 175 in 2022. It has reported since 2006 and now lends in 6 states, reaching Lakeland-Winter Haven, Florida, for the first time in 2025.
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Millennium Financial Group took 233 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.2% · Refinance 14.7% · Other 3.1%
Conventional 73.3% · FHA 14.1% · USDA (RHS or FSA) 7.9% · VA 4.7% · of 191 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 | 123 | 64.4% |
| Pennsylvania | 33 | 17.3% |
| West Virginia | 32 | 16.8% |
| Florida | 1 | 0.5% |
| North Carolina | 1 | 0.5% |
| Virginia | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hagerstown-Martinsburg | 44 |
| Frederick-Gaithersburg-Bethesda | 18 |
| Winchester | 18 |
| Chambersburg | 11 |
| Washington | 7 |
| Gettysburg | 5 |
| Arlington-Alexandria-Reston | 4 |
| Baltimore-Columbia-Towson | 3 |
| Pittsburgh | 3 |
| Lakeland-Winter Haven | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CV1BZKP1QUDZ13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3882690 | 2010–2022 |
| Respondent ID (the HMDA filer code before 2018) | 72328500008 | 2006–2017 |
Established 16 October 2003. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Millennium Financial Group's data.
Millennium Financial Group's data
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