Citibank in Maryland vs the state
15.5%Denial rate-3.30 pts vs state
22.2%Decision denial rate-1.97 pts vs state
53.0%Origination rate-2.73 pts vs state
6.13%Median rate-0.50 pts vs state
-0.32Rate spread (pts)-0.57 pts vs state
$143kMedian applicant income
400Loans originated
117Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 388 | 254 | 6.7% | 5.44% | #96 |
| 2024 | 611 | 271 | 18.5% | 6.38% | #75 |
| 2025 | 755 | 400 | 15.5% | 6.13% | #64 |
What Citibank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 335 | 195 | 36 | 10.7% |
| Prince George's County | 259 | 138 | 44 | 17.0% |
| Anne Arundel County | 36 | 19 | 4 | 11.1% |
| Baltimore County | 28 | 8 | 9 | 32.1% |
| Charles County | 21 | 14 | 5 | 23.8% |
| Baltimore city | 15 | 2 | 7 | 46.7% |
| Frederick County | 15 | 5 | 4 | 26.7% |
| Howard County | 12 | 3 | 3 | 25.0% |
| Washington County | 11 | 2 | 4 | 36.4% |
| Harford County | 4 | 0 | 1 | 25.0% |
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: 755 applications in 2025, of which 400 were originated and 117 denied.
15.5% of all applications, or 22.2% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Citibank originated in Maryland in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Citibank'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