American Financial Resources in Maryland vs the state
10.3%Denial rate-8.50 pts vs state
13.0%Decision denial rate-11.15 pts vs state
68.5%Origination rate+12.77 pts vs state
6.50%Median rate-0.13 pts vs state
0.43Rate spread (pts)+0.18 pts vs state
$115kMedian applicant income
113Loans originated
17Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 29 | 17.9% | 6.75% | #280 |
| 2024 | 96 | 56 | 17.7% | 6.75% | #220 |
| 2025 | 165 | 113 | 10.3% | 6.50% | #180 |
What American Financial Resources lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 29 | 17 | 4 | 13.8% |
| Prince George's County | 29 | 17 | 5 | 17.2% |
| Baltimore County | 21 | 14 | 2 | 9.5% |
| Anne Arundel County | 15 | 13 | 0 | 0.0% |
| Harford County | 9 | 8 | 0 | 0.0% |
| Montgomery County | 8 | 6 | 1 | 12.5% |
| Carroll County | 7 | 6 | 1 | 14.3% |
| Washington County | 7 | 5 | 2 | 28.6% |
| Frederick County | 6 | 5 | 0 | 0.0% |
| Charles County | 6 | 5 | 0 | 0.0% |
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: 165 applications in 2025, of which 113 were originated and 17 denied.
10.3% of all applications, or 13.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans American Financial Resources originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are American Financial Resources'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