Direct Mortgage in Maryland vs the state
36.4%Denial rate+17.56 pts vs state
36.4%Decision denial rate+12.23 pts vs state
63.6%Origination rate+7.93 pts vs state
7.00%Median rate+0.38 pts vs state
—Rate spread (pts)
$177kMedian applicant income
7Loans originated
4Denied
What Direct Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 3 | 1 | 2 | 66.7% |
| Prince George's County | 3 | 3 | 0 | 0.0% |
| Anne Arundel County | 2 | 1 | 1 | 50.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Charles County | 1 | 1 | 0 | 0.0% |
| Baltimore County | 1 | 0 | 1 | 100.0% |
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: 11 applications in 2025, of which 7 were originated and 4 denied.
36.4% of all applications, or 36.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Direct Mortgage originated in Maryland in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Direct Mortgage'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