Arc Home in Maryland vs the state
15.9%Denial rate-2.95 pts vs state
22.0%Decision denial rate-2.10 pts vs state
54.3%Origination rate-1.44 pts vs state
7.13%Median rate+0.50 pts vs state
0.70Rate spread (pts)+0.45 pts vs state
$139kMedian applicant income
89Loans originated
26Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 239 | 115 | 18.0% | 6.99% | #123 |
| 2024 | 226 | 102 | 19.9% | 7.13% | #143 |
| 2025 | 164 | 89 | 15.9% | 7.13% | #181 |
What Arc Home lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 44 | 20 | 8 | 18.2% |
| Baltimore County | 36 | 24 | 4 | 11.1% |
| Montgomery County | 24 | 14 | 5 | 20.8% |
| Howard County | 15 | 9 | 2 | 13.3% |
| Anne Arundel County | 15 | 9 | 4 | 26.7% |
| Baltimore city | 13 | 6 | 1 | 7.7% |
| Garrett County | 4 | 1 | 1 | 25.0% |
| Carroll County | 3 | 1 | 0 | 0.0% |
| Frederick County | 2 | 2 | 0 | 0.0% |
| Worcester County | 2 | 0 | 1 | 50.0% |
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: 164 applications in 2025, of which 89 were originated and 26 denied.
15.9% of all applications, or 22.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Arc Home originated in Maryland in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Arc Home'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