Capital Bank in Maryland vs the state
5.2%Denial rate-13.65 pts vs state
7.6%Decision denial rate-16.55 pts vs state
62.5%Origination rate+6.83 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.05 pts vs state
$124kMedian applicant income
182Loans originated
15Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 145 | 105 | 3.5% | 6.88% | #168 |
| 2024 | 317 | 218 | 2.8% | 6.75% | #110 |
| 2025 | 291 | 182 | 5.2% | 6.63% | #129 |
What Capital Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 78 | 47 | 4 | 5.1% |
| Montgomery County | 50 | 32 | 2 | 4.0% |
| Frederick County | 43 | 25 | 0 | 0.0% |
| Baltimore city | 26 | 19 | 3 | 11.5% |
| Baltimore County | 17 | 10 | 0 | 0.0% |
| Anne Arundel County | 15 | 10 | 0 | 0.0% |
| Worcester County | 15 | 11 | 1 | 6.7% |
| Charles County | 13 | 7 | 2 | 15.4% |
| Howard County | 12 | 7 | 1 | 8.3% |
| Talbot County | 3 | 2 | 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: 291 applications in 2025, of which 182 were originated and 15 denied.
5.2% of all applications, or 7.6% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Capital Bank originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Capital 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