Digital in Maryland vs the state
15.9%Denial rate-2.86 pts vs state
29.7%Decision denial rate+5.60 pts vs state
37.7%Origination rate-18.03 pts vs state
7.87%Median rate+1.25 pts vs state
0.61Rate spread (pts)+0.36 pts vs state
$173kMedian applicant income
26Loans originated
11Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 157 | 63 | 12.7% | 6.62% | #160 |
| 2024 | 110 | 26 | 19.1% | 7.93% | #203 |
| 2025 | 69 | 26 | 15.9% | 7.87% | #277 |
What Digital lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Frederick County | 16 | 4 | 3 | 18.8% |
| Howard County | 16 | 9 | 2 | 12.5% |
| Montgomery County | 9 | 4 | 1 | 11.1% |
| Anne Arundel County | 6 | 3 | 1 | 16.7% |
| Baltimore city | 6 | 0 | 2 | 33.3% |
| Prince George's County | 6 | 3 | 1 | 16.7% |
| Baltimore County | 4 | 2 | 0 | 0.0% |
| Harford County | 2 | 0 | 0 | 0.0% |
| Worcester County | 2 | 1 | 1 | 50.0% |
| Cecil County | 1 | 0 | 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: 69 applications in 2025, of which 26 were originated and 11 denied.
15.9% of all applications, or 29.7% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Digital originated in Maryland in 2025 was 7.87%, against a statewide median of 6.63%.
About this data. Figures are Digital'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