Citizens Bank in Maryland vs the state
32.8%Denial rate+14.01 pts vs state
38.2%Decision denial rate+14.08 pts vs state
51.1%Origination rate-4.58 pts vs state
8.40%Median rate+1.78 pts vs state
1.11Rate spread (pts)+0.86 pts vs state
$138kMedian applicant income
745Loans originated
478Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,074 | 1,036 | 39.0% | 8.50% | #20 |
| 2024 | 1,306 | 708 | 33.5% | 9.40% | #41 |
| 2025 | 1,457 | 745 | 32.8% | 8.40% | #40 |
What Citizens Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 424 | 227 | 126 | 29.7% |
| Prince George's County | 187 | 74 | 82 | 43.9% |
| Baltimore County | 130 | 69 | 41 | 31.5% |
| Anne Arundel County | 125 | 65 | 43 | 34.4% |
| Howard County | 85 | 47 | 25 | 29.4% |
| Baltimore city | 79 | 34 | 35 | 44.3% |
| Frederick County | 77 | 42 | 23 | 29.9% |
| Charles County | 39 | 21 | 13 | 33.3% |
| Cecil County | 35 | 24 | 5 | 14.3% |
| Washington County | 34 | 14 | 11 | 32.4% |
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: 1,457 applications in 2025, of which 745 were originated and 478 denied.
32.8% of all applications, or 38.2% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Citizens Bank originated in Maryland in 2025 was 8.40%, against a statewide median of 6.63%.
About this data. Figures are Citizens 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