Applications / Mortgage Analytics / Lenders / Maryland / Woodsboro Bank
Woodsboro, MD · State non-member bank · FDIC · $456 million assets · 34 loans in 2025
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34
loans originated, 2025
45
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Woodsboro Bank, a Maryland lender, makes few loans but large ones, and more than half of them go to homes in poorer neighborhoods.
Its typical loan was $440,000 in 2025, up from $250,000 five years before. Similar lenders, state non-member banks making between half and twice as many loans, typically lent $165,000. Its loans were larger than at about nine in ten of them, so its 34 loans added up to $16.1 million, more than at about two-thirds of its peers.
Some 51.5% of its loans went to homes in low- and moderate-income (LMI) neighborhoods, against 19.0% at the typical peer, higher than at almost all of them. The figure was 52.0% five years before, on 74 loans, though 31.7% in 2024; with 34 loans, a few loans move it several points.
Its loans fell 17% in 2025, from 41 to 34, while similar lenders grew 2%. It made 104 loans in 2021 and has made fewer in every reported year since. It filed no report for 2022, a gap in the record, not a year without lending.
It has lent around Hagerstown and Gettysburg since 1990, holding 0.1% of lending in each, up from almost nothing. Rocket Mortgage leads Hagerstown and ACNB Bank leads Gettysburg.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Woodsboro Bank took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.7% · Refinance 32.4% · Home improvement 2.9%
Conventional 100.0% · of 34 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 | 28 | 82.4% |
| Pennsylvania | 3 | 8.8% |
| West Virginia | 2 | 5.9% |
| District of Columbia | 1 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Frederick-Gaithersburg-Bethesda | 23 |
| Hagerstown-Martinsburg | 6 |
| Gettysburg | 2 |
| Chambersburg | 1 |
| Washington | 1 |
| Winchester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BM1JKSQR7HI756 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 406022 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35873 | 1990–2017 |
Established 1 May 1899. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Woodsboro Bank's data.
Woodsboro Bank's data
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Woodsboro Bank 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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