American Pacific Mortgage in Maryland vs the state
11.9%Denial rate-6.93 pts vs state
14.0%Decision denial rate-10.11 pts vs state
72.6%Origination rate+16.85 pts vs state
6.75%Median rate+0.13 pts vs state
0.66Rate spread (pts)+0.41 pts vs state
$94kMedian applicant income
275Loans originated
45Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 80 | 55 | 8.8% | 6.50% | #236 |
| 2024 | 35 | 25 | 5.7% | 6.88% | #347 |
| 2025 | 379 | 275 | 11.9% | 6.75% | #113 |
What American Pacific Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 85 | 59 | 10 | 11.8% |
| Montgomery County | 49 | 40 | 4 | 8.2% |
| Baltimore County | 46 | 39 | 2 | 4.3% |
| Frederick County | 39 | 30 | 2 | 5.1% |
| Baltimore city | 37 | 23 | 11 | 29.7% |
| Washington County | 37 | 25 | 5 | 13.5% |
| Anne Arundel County | 25 | 18 | 4 | 16.0% |
| Howard County | 13 | 11 | 1 | 7.7% |
| Charles County | 11 | 9 | 0 | 0.0% |
| Cecil County | 9 | 6 | 1 | 11.1% |
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: 379 applications in 2025, of which 275 were originated and 45 denied.
11.9% of all applications, or 14.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans American Pacific Mortgage originated in Maryland in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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