Industrial Bank
Industrial Bank received 122 applications in 2025 and made 43 mortgages, in 21 counties across 5 states. The median rate its borrowers got was 6.750% on a median loan of $385,000. Of 99 decisions, 54 were denials — 54.6%, most often for credit history. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300J8HNLGP2HYNE66 |
|---|---|
| Applications received | 122 |
| Mortgages made | 43 |
| Denied | 54 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 23 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.17 points |
| FDIC-insured bank | Yes: Industrial Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 18 | 6.813% | $385,000 | 60.9% |
| Refinancing | 10 | 6.750% | $610,000 | 69.4% |
| Cash-out refinancing | 14 | 7.000% | $245,000 | 6.3% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Industrial Bank lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| District of Columbia, DC | 22 | 6.933% | 42.1% |
| Prince George's County, MD | 8 | Under 10 loans | 58.3% |
| Charles County, MD | 2 | Under 10 loans | 33.3% |
| Harford County, MD | 2 | Under 10 loans | 0.0% |
| Baltimore County, MD | 1 | Under 10 loans | 0.0% |
| Carroll County, MD | 1 | Under 10 loans | 0.0% |
| Howard County, MD | 1 | Under 10 loans | 50.0% |
| Montgomery County, MD | 1 | Under 10 loans | 75.0% |
| Baltimore city, MD | 1 | Under 10 loans | 0.0% |
| Hudson County, NJ | 1 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 1 | Under 10 loans | 50.0% |
| Fairfax County, VA | 1 | Under 10 loans | 0.0% |
| Richmond city, VA | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 0 | Under 10 loans | 100.0% |
| Bergen County, NJ | 0 | Under 10 loans | Not published |
| Burlington County, NJ | 0 | Under 10 loans | 100.0% |
| Essex County, NJ | 0 | Under 10 loans | 100.0% |
| Mercer County, NJ | 0 | Under 10 loans | 100.0% |
| Morris County, NJ | 0 | Under 10 loans | 100.0% |
| Union County, NJ | 0 | Under 10 loans | 100.0% |
| Westchester County, NY | 0 | Under 10 loans | 100.0% |
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When Industrial Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.