Finance of America Reverse in Maryland vs the state
14.2%Denial rate-4.61 pts vs state
17.1%Decision denial rate-7.06 pts vs state
68.2%Origination rate+12.53 pts vs state
6.25%Median rate-0.38 pts vs state
—Rate spread (pts)
$31kMedian applicant income
101Loans originated
21Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 93 | 10.4% | 7.66% | #175 |
| 2024 | 162 | 105 | 10.5% | 7.21% | #172 |
| 2025 | 148 | 101 | 14.2% | 6.25% | #193 |
What Finance of America Reverse lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Finance of America Reverse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 32 | 20 | 3 | 9.4% |
| Prince George's County | 27 | 21 | 4 | 14.8% |
| Montgomery County | 20 | 16 | 1 | 5.0% |
| Anne Arundel County | 15 | 10 | 4 | 26.7% |
| Baltimore city | 11 | 4 | 6 | 54.5% |
| Charles County | 7 | 7 | 0 | 0.0% |
| Howard County | 6 | 3 | 0 | 0.0% |
| Cecil County | 4 | 3 | 0 | 0.0% |
| Harford County | 4 | 4 | 0 | 0.0% |
| Wicomico County | 3 | 2 | 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: 148 applications in 2025, of which 101 were originated and 21 denied.
14.2% of all applications, or 17.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Finance of America Reverse originated in Maryland in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Finance of America Reverse'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