Clearedge Lending in Maryland vs the state
26.5%Denial rate+7.67 pts vs state
28.1%Decision denial rate+4.00 pts vs state
67.7%Origination rate+11.94 pts vs state
7.44%Median rate+0.81 pts vs state
1.29Rate spread (pts)+1.05 pts vs state
$198kMedian applicant income
46Loans originated
18Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 24 | 27.1% | 8.50% | #294 |
| 2024 | 63 | 30 | 34.9% | 7.75% | #277 |
| 2025 | 68 | 46 | 26.5% | 7.44% | #280 |
What Clearedge Lending lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Clearedge Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 15 | 10 | 5 | 33.3% |
| Baltimore city | 14 | 8 | 5 | 35.7% |
| Prince George's County | 12 | 10 | 1 | 8.3% |
| Anne Arundel County | 7 | 6 | 0 | 0.0% |
| Frederick County | 6 | 4 | 1 | 16.7% |
| Baltimore County | 6 | 3 | 3 | 50.0% |
| Howard County | 3 | 1 | 2 | 66.7% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Harford County | 1 | 1 | 0 | 0.0% |
| Worcester County | 1 | 1 | 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: 68 applications in 2025, of which 46 were originated and 18 denied.
26.5% of all applications, or 28.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Clearedge Lending originated in Maryland in 2025 was 7.44%, against a statewide median of 6.63%.
About this data. Figures are Clearedge 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