Applications / Mortgage Analytics / Lenders / Maryland / Traditional Mortgage Acceptance
Baltimore, MD · Non-bank or government lender · CFPB · 1,369 loans in 2025
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1,369
loans originated, 2025
1,795
applications, 2025
41
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Traditional Mortgage Acceptance, a Baltimore lender, makes almost nothing but refinance loans insured by the Federal Housing Administration (FHA), spread across 41 states.
FHA loans made up 98.7% of its lending and refinancing 86.9%. Similar lenders, non-bank or government lenders making between half and twice as many loans, typically made only conventional loans. It also financed more manufactured homes: 5.3% of its loans, where the typical peer made none.
It lent in 41 states and 221 metros, and its largest state is California, not Maryland. Its share is small everywhere. Around San Diego-Chula Vista-Carlsbad it has 0.1% of the dollars and ranks 184 of 639. It first lent around Boston and Mobile in 2025.
Its typical loan was $195,000, against $305,000 at peers, down from $235,000 in 2024. Its 1,369 loans came to $338.2 million, below the $626.3 million of the typical similar lender, which made about as many loans.
It first reported in 2022, with 841 loans. After a dip to 628 in 2023 it made 1,275 in 2024 and 1,369 in 2025, up 7%, slower than the 16% of similar lenders. A lender built on one kind of loan may simply grow with demand for it. It also bought 39 loans from other lenders, up from 5.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Traditional Mortgage Acceptance took 1,795 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 86.9% · Other 7.2% · Purchase 3.2% · Home improvement 2.8%
FHA 98.7% · Conventional 1.3% · of 1,369 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 |
|---|---|---|
| California | 317 | 23.2% |
| Texas | 110 | 8.0% |
| Florida | 98 | 7.2% |
| Washington | 72 | 5.3% |
| Arizona | 68 | 5.0% |
| Utah | 60 | 4.4% |
| Georgia | 53 | 3.9% |
| South Carolina | 53 | 3.9% |
| Colorado | 50 | 3.7% |
| Oregon | 46 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 58 |
| Los Angeles-Long Beach-Glendale | 50 |
| San Diego-Chula Vista-Carlsbad | 45 |
| Phoenix-Mesa-Chandler | 32 |
| Anaheim-Santa Ana-Irvine | 30 |
| Denver-Aurora-Centennial | 30 |
| Houston-Pasadena-The Woodlands | 25 |
| Dallas-Plano-Irving | 22 |
| Atlanta-Sandy Springs-Roswell | 21 |
| Portland-Vancouver-Hillsboro | 21 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LZUXCJFE5ONM48 | 2022–2025 |
Established 29 June 2012. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Traditional Mortgage Acceptance's data.
Traditional Mortgage Acceptance's data
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Traditional Mortgage Acceptance 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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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.
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