Emm Loans in Maryland vs the state
1.8%Denial rate-17.05 pts vs state
2.1%Decision denial rate-22.06 pts vs state
80.0%Origination rate+24.29 pts vs state
6.50%Median rate-0.13 pts vs state
0.41Rate spread (pts)+0.16 pts vs state
$119kMedian applicant income
228Loans originated
5Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 256 | 169 | 4.3% | 6.38% | #116 |
| 2024 | 271 | 192 | 3.3% | 6.50% | #121 |
| 2025 | 285 | 228 | 1.8% | 6.50% | #130 |
What Emm Loans lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 52 | 37 | 0 | 0.0% |
| Anne Arundel County | 39 | 31 | 2 | 5.1% |
| Prince George's County | 32 | 24 | 1 | 3.1% |
| Baltimore city | 32 | 27 | 0 | 0.0% |
| Harford County | 21 | 20 | 0 | 0.0% |
| Cecil County | 21 | 20 | 0 | 0.0% |
| Montgomery County | 17 | 10 | 0 | 0.0% |
| Dorchester County | 16 | 13 | 0 | 0.0% |
| Carroll County | 11 | 9 | 1 | 9.1% |
| Howard County | 8 | 7 | 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: 285 applications in 2025, of which 228 were originated and 5 denied.
1.8% of all applications, or 2.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Emm Loans originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Emm 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