Atlantic Union Bank in Maryland vs the state
15.8%Denial rate-3.02 pts vs state
18.9%Decision denial rate-5.19 pts vs state
66.3%Origination rate+10.58 pts vs state
6.63%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.04 pts vs state
$148kMedian applicant income
1,172Loans originated
279Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 54 | 21.4% | 7.13% | #228 |
| 2024 | 86 | 56 | 25.6% | 6.88% | #234 |
| 2025 | 1,768 | 1,172 | 15.8% | 6.63% | #30 |
What Atlantic Union Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Atlantic Union Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 679 | 472 | 107 | 15.8% |
| Anne Arundel County | 221 | 143 | 40 | 18.1% |
| Prince George's County | 163 | 89 | 40 | 24.5% |
| Howard County | 143 | 93 | 24 | 16.8% |
| Baltimore County | 134 | 91 | 7 | 5.2% |
| Frederick County | 123 | 85 | 18 | 14.6% |
| Baltimore city | 101 | 65 | 10 | 9.9% |
| Carroll County | 58 | 38 | 9 | 15.5% |
| Harford County | 37 | 31 | 4 | 10.8% |
| Queen Anne's County | 20 | 14 | 3 | 15.0% |
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: 1,768 applications in 2025, of which 1,172 were originated and 279 denied.
15.8% of all applications, or 18.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Atlantic Union Bank originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Atlantic Union Bank'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