Applications / Mortgage Analytics / Lenders / Maryland / My Mortgage
Crofton, MD · Independent non-bank lender · CFPB · 880 loans in 2025
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880
loans originated, 2025
1,191
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
My Mortgage, a Maryland home-purchase lender whose main state is Florida, now makes more than half its loans with insurance from the Federal Housing Administration (FHA).
FHA loans made up 54.5% of its lending in 2025, up from 43.2% in 2024 and 25.9% in 2020. That is a higher share than at nine in ten similar lenders (independent non-bank lenders making between half and twice as many loans), where the typical share is 21.7%. Purchases were 91.3% of its loans.
Some 36.2% of its loans went to low- and moderate-income (LMI) neighborhoods, twice the 18.1% at similar lenders, and 65.1% to majority-minority ones, against 25.0%. Yet only 17.8% of its borrowers had LMI incomes, below the 26.7% at peers. Its loans are larger than most, at a typical $375,000, which may mean buyers in those areas with middle incomes or above.
Its loans fell from 2,667 in 2021 to 880 in 2025. The latest fall, 10%, came as the whole market grew 10% and lenders like it grew 2%. One possible reason is higher rates: its typical rate was 3.25% in 2020 and 6.75% in 2025, and refinances, which may have swelled the 2021 peak, are now only 8.8% of its loans.
Florida is its main state, and it ranks 68 of 937 lenders in Miami and 63 of 925 in Tampa, markets it entered in 2020. It reaches 16 states and in 2025 entered Brunswick in Georgia, Chambersburg and Amarillo.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. My Mortgage took 1,191 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 91.3% · Refinance 8.8%
FHA 54.5% · Conventional 43.9% · VA 1.6% · of 880 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 |
|---|---|---|
| Florida | 742 | 84.3% |
| Maryland | 56 | 6.4% |
| New Jersey | 28 | 3.2% |
| Texas | 18 | 2.0% |
| Georgia | 11 | 1.2% |
| Virginia | 6 | 0.7% |
| North Carolina | 5 | 0.6% |
| Pennsylvania | 4 | 0.5% |
| District of Columbia | 2 | 0.2% |
| West Virginia | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tampa | 281 |
| Miami-Miami Beach-Kendall | 215 |
| Fort Lauderdale-Pompano Beach-Sunrise | 78 |
| Orlando-Kissimmee-Sanford | 42 |
| Baltimore-Columbia-Towson | 33 |
| Cape Coral-Fort Myers | 32 |
| New York-Jersey City-White Plains | 17 |
| Washington | 16 |
| North Port-Bradenton-Sarasota | 13 |
| Dallas-Plano-Irving | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NT030LXB2A8T82 | 2020–2025 |
Established 31 December 2016. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: My Mortgage's data.
My Mortgage's data
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