Filo Mortgage in Maryland vs the state
7.2%Denial rate-11.59 pts vs state
12.1%Decision denial rate-12.01 pts vs state
35.1%Origination rate-20.57 pts vs state
6.13%Median rate-0.50 pts vs state
-0.16Rate spread (pts)-0.41 pts vs state
$150kMedian applicant income
39Loans originated
8Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 20 | 5.3% | 6.00% | #241 |
| 2024 | 103 | 35 | 2.9% | 6.50% | #210 |
| 2025 | 111 | 39 | 7.2% | 6.13% | #218 |
What Filo Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Filo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 17 | 6 | 1 | 5.9% |
| Frederick County | 15 | 6 | 0 | 0.0% |
| Anne Arundel County | 13 | 3 | 0 | 0.0% |
| Baltimore city | 11 | 2 | 2 | 18.2% |
| Baltimore County | 10 | 4 | 1 | 10.0% |
| Prince George's County | 7 | 1 | 1 | 14.3% |
| Harford County | 7 | 4 | 0 | 0.0% |
| Charles County | 6 | 2 | 0 | 0.0% |
| Howard County | 6 | 0 | 1 | 16.7% |
| Carroll County | 5 | 4 | 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: 111 applications in 2025, of which 39 were originated and 8 denied.
7.2% of all applications, or 12.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Filo Mortgage originated in Maryland in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Filo 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