Our analysis of 2025 HMDA data. Rates are medians on loans actually opened.
Why HELOCs were denied in Baltimore, MD
First reason lenders gave, share of denials with a reason reported.
Denial rate by debt-to-income
Baltimore, MD HELOC applications, 2025.
| Debt-to-income | Decisions | Denied |
|---|---|---|
| Under 20% | 1,073 | 33% |
| 20% to 29% | 2,634 | 23% |
| 30% to 35% | 2,212 | 21% |
| 36% to 42% | 3,000 | 22% |
| 43% to 49% | 2,891 | 26% |
| 50% to 60% | 1,808 | 50% |
| Over 60% | 2,103 | 95% |
If you were denied a HELOC in Baltimore, MD
1 of the six major home equity investment providers list Maryland as a service area: Point. See which could fit you.
Compare a HELOC, home equity loan, cash-out refinance, and home equity investment side by side, with your own approval odds, in the home equity options tool. A HELOC like the typical 2025 loan here would start around 7.13% at today’s prime rate.
State rules: Maryland.
Other metro areas in Maryland
Washington, DC-MD (46%) · Frederick, MD (36%) · Hagerstown, MD-WV (38%) · Lexington Park, MD (33%) · Salisbury, MD (42%) · All 358 metro areas
Questions
What is the HELOC denial rate in Baltimore, MD?
Lenders denied 38.3% of the 16,252 HELOC applications they decided in the Baltimore-Columbia-Towson, MD metro area in 2025, above the national rate of 32.9%, according to federal HMDA data.
Why do HELOCs get denied in Baltimore, MD?
The most common first reason lenders gave was debt-to-income ratio (38% of denials with a reason reported).
What is a typical HELOC rate in Baltimore, MD?
The median starting rate on HELOCs opened in the Baltimore-Columbia-Towson, MD area in 2025 was 7.50%. HELOC rates move with the prime rate, which has changed by -0.37 points since, so a similar loan today would start around 7.13%. Your rate depends on your credit, equity, and lender.
Source: FFIEC / CFPB HMDA data, 2025, second-lien HELOCs and home equity loans with a credit decision, by the metro area HMDA assigns. Metro names: U.S. Census Bureau. Free to use with attribution (CC BY 4.0). Methodology: HELOC denial data.
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