First-Citizens Bank & Trust in Maryland vs the state
22.2%Denial rate+3.42 pts vs state
28.6%Decision denial rate+4.44 pts vs state
53.7%Origination rate-2.01 pts vs state
6.50%Median rate-0.13 pts vs state
0.00Rate spread (pts)-0.25 pts vs state
$258kMedian applicant income
29Loans originated
12Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 52 | 15.7% | 6.29% | #229 |
| 2024 | 69 | 47 | 17.4% | 6.13% | #264 |
| 2025 | 54 | 29 | 22.2% | 6.50% | #313 |
What First-Citizens Bank & Trust lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Anne Arundel County | 17 | 12 | 4 | 23.5% |
| Montgomery County | 14 | 3 | 4 | 28.6% |
| Baltimore County | 6 | 5 | 1 | 16.7% |
| Howard County | 5 | 4 | 0 | 0.0% |
| Prince George's County | 3 | 2 | 0 | 0.0% |
| Baltimore city | 3 | 2 | 0 | 0.0% |
| St. Mary's County | 2 | 1 | 1 | 50.0% |
| Wicomico County | 1 | 0 | 1 | 100.0% |
| Worcester County | 1 | 0 | 1 | 100.0% |
| Calvert 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: 54 applications in 2025, of which 29 were originated and 12 denied.
22.2% of all applications, or 28.6% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans First-Citizens Bank & Trust originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens Bank & Trust'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