American Financial Network in Maryland vs the state
14.0%Denial rate-4.79 pts vs state
19.5%Decision denial rate-4.67 pts vs state
56.5%Origination rate+0.80 pts vs state
6.99%Median rate+0.37 pts vs state
1.06Rate spread (pts)+0.81 pts vs state
$100kMedian applicant income
347Loans originated
86Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 518 | 252 | 10.2% | 6.88% | #79 |
| 2024 | 445 | 267 | 13.0% | 7.13% | #91 |
| 2025 | 614 | 347 | 14.0% | 6.99% | #73 |
What American Financial Network lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 178 | 97 | 28 | 15.7% |
| Baltimore County | 91 | 64 | 11 | 12.1% |
| Baltimore city | 81 | 37 | 18 | 22.2% |
| Montgomery County | 62 | 33 | 7 | 11.3% |
| Anne Arundel County | 55 | 35 | 4 | 7.3% |
| Charles County | 39 | 23 | 6 | 15.4% |
| Frederick County | 17 | 11 | 1 | 5.9% |
| Howard County | 16 | 9 | 1 | 6.3% |
| Harford County | 16 | 10 | 0 | 0.0% |
| Washington County | 13 | 6 | 5 | 38.5% |
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: 614 applications in 2025, of which 347 were originated and 86 denied.
14.0% of all applications, or 19.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans American Financial Network originated in Maryland in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are American Financial Network'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