American Financing in Maryland vs the state
52.2%Denial rate+33.37 pts vs state
74.6%Decision denial rate+50.45 pts vs state
11.5%Origination rate-44.25 pts vs state
6.38%Median rate-0.25 pts vs state
0.46Rate spread (pts)+0.21 pts vs state
$102kMedian applicant income
29Loans originated
132Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 118 | 14 | 44.1% | 6.31% | #194 |
| 2024 | 228 | 19 | 66.2% | 6.25% | #141 |
| 2025 | 253 | 29 | 52.2% | 6.38% | #138 |
What American Financing lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 40 | 4 | 17 | 42.5% |
| Baltimore County | 36 | 6 | 14 | 38.9% |
| Anne Arundel County | 24 | 1 | 14 | 58.3% |
| Baltimore city | 22 | 0 | 17 | 77.3% |
| Montgomery County | 21 | 2 | 10 | 47.6% |
| Frederick County | 18 | 4 | 12 | 66.7% |
| Washington County | 13 | 3 | 8 | 61.5% |
| Harford County | 13 | 0 | 8 | 61.5% |
| Carroll County | 9 | 1 | 4 | 44.4% |
| Howard County | 9 | 3 | 3 | 33.3% |
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: 253 applications in 2025, of which 29 were originated and 132 denied.
52.2% of all applications, or 74.6% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans American Financing originated in Maryland in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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