American Heritage Lending in Maryland vs the state
17.1%Denial rate-1.66 pts vs state
22.1%Decision denial rate-2.04 pts vs state
43.3%Origination rate-12.38 pts vs state
7.50%Median rate+0.88 pts vs state
1.66Rate spread (pts)+1.41 pts vs state
$130kMedian applicant income
91Loans originated
36Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 236 | 129 | 9.3% | 8.75% | #126 |
| 2024 | 223 | 123 | 9.9% | 7.88% | #145 |
| 2025 | 210 | 91 | 17.1% | 7.50% | #156 |
What American Heritage Lending lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 88 | 35 | 23 | 26.1% |
| Baltimore County | 28 | 14 | 3 | 10.7% |
| Prince George's County | 16 | 7 | 1 | 6.3% |
| Anne Arundel County | 13 | 6 | 4 | 30.8% |
| Harford County | 13 | 8 | 0 | 0.0% |
| Montgomery County | 9 | 4 | 1 | 11.1% |
| Caroline County | 8 | 4 | 0 | 0.0% |
| Howard County | 5 | 3 | 1 | 20.0% |
| Worcester County | 4 | 1 | 1 | 25.0% |
| Charles County | 4 | 0 | 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: 210 applications in 2025, of which 91 were originated and 36 denied.
17.1% of all applications, or 22.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans American Heritage Lending originated in Maryland in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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