Encompass Lending Group in Maryland vs the state
10.0%Denial rate-8.80 pts vs state
15.4%Decision denial rate-8.75 pts vs state
55.0%Origination rate-0.71 pts vs state
6.99%Median rate+0.37 pts vs state
0.49Rate spread (pts)+0.25 pts vs state
$140kMedian applicant income
11Loans originated
2Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 21 | 4.0% | 6.88% | #370 |
| 2024 | 26 | 16 | 11.5% | 6.69% | #371 |
| 2025 | 20 | 11 | 10.0% | 6.99% | #411 |
What Encompass Lending Group lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Encompass Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 3 | 1 | 1 | 33.3% |
| Worcester County | 3 | 1 | 0 | 0.0% |
| Baltimore County | 2 | 0 | 1 | 50.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Baltimore city | 2 | 1 | 0 | 0.0% |
| Anne Arundel County | 2 | 2 | 0 | 0.0% |
| Howard County | 2 | 0 | 0 | 0.0% |
| Cecil County | 1 | 1 | 0 | 0.0% |
| Calvert County | 1 | 1 | 0 | 0.0% |
| Frederick 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: 20 applications in 2025, of which 11 were originated and 2 denied.
10.0% of all applications, or 15.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Encompass Lending Group originated in Maryland in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Encompass Lending Group'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