Bank of Charles Town in Maryland vs the state
15.0%Denial rate-3.80 pts vs state
18.8%Decision denial rate-5.38 pts vs state
65.0%Origination rate+9.29 pts vs state
—Median rate
—Rate spread (pts)
$127kMedian applicant income
13Loans originated
3Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 14 | 0.0% | — | #404 |
| 2024 | 15 | 8 | 6.7% | — | #443 |
| 2025 | 20 | 13 | 15.0% | — | #409 |
What Bank of Charles Town lends in Maryland
By loan purpose
By loan type
Where in Maryland
Counties with the most Bank of Charles Town applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 9 | 5 | 3 | 33.3% |
| Frederick County | 3 | 3 | 0 | 0.0% |
| Prince George's County | 3 | 2 | 0 | 0.0% |
| Anne Arundel County | 2 | 1 | 0 | 0.0% |
| Allegany County | 1 | 1 | 0 | 0.0% |
| Baltimore city | 1 | 0 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 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: 20 applications in 2025, of which 13 were originated and 3 denied.
15.0% of all applications, or 18.8% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of Charles Town'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