First Colony Mortgage in Maryland vs the state
9.2%Denial rate-9.56 pts vs state
13.4%Decision denial rate-10.72 pts vs state
47.9%Origination rate-7.81 pts vs state
6.38%Median rate-0.25 pts vs state
0.26Rate spread (pts)+0.01 pts vs state
$94kMedian applicant income
57Loans originated
11Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 3 | 41.7% | 7.13% | #462 |
| 2024 | 32 | 19 | 15.6% | 6.50% | #353 |
| 2025 | 119 | 57 | 9.2% | 6.38% | #214 |
What First Colony Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most First Colony Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 24 | 16 | 2 | 8.3% |
| Baltimore County | 21 | 11 | 1 | 4.8% |
| Montgomery County | 19 | 6 | 0 | 0.0% |
| Allegany County | 11 | 6 | 1 | 9.1% |
| Howard County | 9 | 5 | 1 | 11.1% |
| Baltimore city | 9 | 1 | 5 | 55.6% |
| Harford County | 8 | 3 | 1 | 12.5% |
| Anne Arundel County | 5 | 4 | 0 | 0.0% |
| Frederick County | 4 | 3 | 0 | 0.0% |
| Charles County | 4 | 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: 119 applications in 2025, of which 57 were originated and 11 denied.
9.2% of all applications, or 13.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans First Colony Mortgage originated in Maryland in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are First Colony 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