Click n' Close in Maryland vs the state
5.0%Denial rate-13.83 pts vs state
7.9%Decision denial rate-16.21 pts vs state
57.8%Origination rate+2.05 pts vs state
7.13%Median rate+0.50 pts vs state
1.94Rate spread (pts)+1.69 pts vs state
$99kMedian applicant income
93Loans originated
8Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 148 | 106 | 6.1% | 7.75% | #167 |
| 2024 | 169 | 97 | 5.9% | 7.75% | #168 |
| 2025 | 161 | 93 | 5.0% | 7.13% | #184 |
What Click n' Close lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 51 | 33 | 3 | 5.9% |
| Baltimore County | 31 | 17 | 1 | 3.2% |
| Prince George's County | 29 | 13 | 0 | 0.0% |
| Anne Arundel County | 7 | 6 | 0 | 0.0% |
| Howard County | 6 | 3 | 0 | 0.0% |
| Dorchester County | 6 | 4 | 0 | 0.0% |
| Montgomery County | 5 | 2 | 0 | 0.0% |
| Washington County | 5 | 3 | 0 | 0.0% |
| Allegany County | 5 | 3 | 2 | 40.0% |
| Charles County | 4 | 1 | 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: 161 applications in 2025, of which 93 were originated and 8 denied.
5.0% of all applications, or 7.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Click n' Close originated in Maryland in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Click n' Close'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