East Coast Capital in Maryland vs the state
7.0%Denial rate-11.78 pts vs state
12.5%Decision denial rate-11.63 pts vs state
49.1%Origination rate-6.59 pts vs state
8.06%Median rate+1.44 pts vs state
1.54Rate spread (pts)+1.29 pts vs state
$118kMedian applicant income
28Loans originated
4Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 6 | 21.4% | 8.38% | #443 |
| 2024 | 52 | 25 | 11.5% | 6.75% | #298 |
| 2025 | 57 | 28 | 7.0% | 8.06% | #300 |
What East Coast Capital lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most East Coast Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 15 | 10 | 1 | 6.7% |
| Baltimore city | 11 | 2 | 1 | 9.1% |
| Anne Arundel County | 7 | 4 | 1 | 14.3% |
| Montgomery County | 6 | 2 | 0 | 0.0% |
| Baltimore County | 4 | 3 | 0 | 0.0% |
| Harford County | 4 | 1 | 1 | 25.0% |
| Frederick County | 4 | 2 | 0 | 0.0% |
| Cecil County | 2 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| St. Mary's 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: 57 applications in 2025, of which 28 were originated and 4 denied.
7.0% of all applications, or 12.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans East Coast Capital originated in Maryland in 2025 was 8.06%, against a statewide median of 6.63%.
About this data. Figures are East Coast Capital'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