Capital Center in Maryland vs the state
15.2%Denial rate-3.65 pts vs state
21.3%Decision denial rate-2.85 pts vs state
56.1%Origination rate+0.35 pts vs state
6.13%Median rate-0.50 pts vs state
-0.06Rate spread (pts)-0.31 pts vs state
$135kMedian applicant income
37Loans originated
10Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 15 | 29.0% | 6.50% | #318 |
| 2024 | 48 | 27 | 14.6% | 6.63% | #312 |
| 2025 | 66 | 37 | 15.2% | 6.13% | #286 |
What Capital Center lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Capital Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 21 | 14 | 2 | 9.5% |
| Anne Arundel County | 11 | 9 | 1 | 9.1% |
| Prince George's County | 9 | 5 | 2 | 22.2% |
| Baltimore city | 7 | 1 | 3 | 42.9% |
| Frederick County | 4 | 1 | 1 | 25.0% |
| Baltimore County | 4 | 1 | 0 | 0.0% |
| Howard County | 3 | 2 | 0 | 0.0% |
| Calvert County | 2 | 1 | 1 | 50.0% |
| Charles County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 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: 66 applications in 2025, of which 37 were originated and 10 denied.
15.2% of all applications, or 21.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Capital Center originated in Maryland in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Capital Center'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