Constructive Loans in Maryland vs the state
10.3%Denial rate-8.54 pts vs state
10.3%Decision denial rate-13.87 pts vs state
89.7%Origination rate+34.03 pts vs state
7.00%Median rate+0.38 pts vs state
—Rate spread (pts)
—Median applicant income
35Loans originated
4Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 12 | 0.0% | 8.63% | #435 |
| 2024 | 21 | 18 | 0.0% | 7.85% | #404 |
| 2025 | 39 | 35 | 10.3% | 7.00% | #344 |
What Constructive Loans lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 16 | 15 | 1 | 6.3% |
| Prince George's County | 6 | 5 | 1 | 16.7% |
| Baltimore County | 6 | 6 | 0 | 0.0% |
| Frederick County | 3 | 2 | 1 | 33.3% |
| Queen Anne's County | 2 | 2 | 0 | 0.0% |
| Wicomico County | 2 | 2 | 0 | 0.0% |
| Anne Arundel County | 1 | 0 | 1 | 100.0% |
| Worcester County | 1 | 1 | 0 | 0.0% |
| Dorchester County | 1 | 1 | 0 | 0.0% |
| Washington 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: 39 applications in 2025, of which 35 were originated and 4 denied.
10.3% of all applications, or 10.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Constructive Loans originated in Maryland in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Constructive Loans'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