21st Mortgage in Maryland vs the state
54.2%Denial rate+35.36 pts vs state
76.8%Decision denial rate+52.67 pts vs state
16.4%Origination rate-39.35 pts vs state
10.36%Median rate+3.73 pts vs state
4.81Rate spread (pts)+4.56 pts vs state
$64kMedian applicant income
126Loans originated
417Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 639 | 76 | 55.2% | 10.13% | #61 |
| 2024 | 741 | 123 | 52.0% | 10.06% | #64 |
| 2025 | 770 | 126 | 54.2% | 10.36% | #63 |
What 21st Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Anne Arundel County | 206 | 31 | 114 | 55.3% |
| Baltimore County | 115 | 13 | 68 | 59.1% |
| Harford County | 93 | 18 | 53 | 57.0% |
| Prince George's County | 69 | 8 | 40 | 58.0% |
| Howard County | 69 | 11 | 39 | 56.5% |
| St. Mary's County | 49 | 18 | 21 | 42.9% |
| Cecil County | 49 | 10 | 24 | 49.0% |
| Washington County | 22 | 2 | 15 | 68.2% |
| Dorchester County | 13 | 1 | 5 | 38.5% |
| Carroll County | 12 | 2 | 5 | 41.7% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 770 applications in 2025, of which 126 were originated and 417 denied.
54.2% of all applications, or 76.8% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans 21st Mortgage originated in Maryland in 2025 was 10.36%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology