City Lending in Maryland vs the state
20.6%Denial rate+1.76 pts vs state
23.3%Decision denial rate-0.79 pts vs state
64.7%Origination rate+9.01 pts vs state
7.13%Median rate+0.50 pts vs state
0.99Rate spread (pts)+0.75 pts vs state
$92kMedian applicant income
277Loans originated
88Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 660 | 426 | 6.7% | 7.38% | #60 |
| 2024 | 724 | 558 | 11.2% | 7.38% | #66 |
| 2025 | 428 | 277 | 20.6% | 7.13% | #102 |
What City Lending lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most City Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 166 | 106 | 35 | 21.1% |
| Baltimore County | 50 | 38 | 7 | 14.0% |
| Anne Arundel County | 45 | 27 | 11 | 24.4% |
| Montgomery County | 44 | 28 | 10 | 22.7% |
| Baltimore city | 38 | 26 | 8 | 21.1% |
| Charles County | 25 | 16 | 8 | 32.0% |
| Washington County | 18 | 9 | 2 | 11.1% |
| Howard County | 11 | 8 | 2 | 18.2% |
| Frederick County | 9 | 3 | 3 | 33.3% |
| Carroll County | 6 | 5 | 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: 428 applications in 2025, of which 277 were originated and 88 denied.
20.6% of all applications, or 23.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans City Lending originated in Maryland in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are City Lending'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