First Community Mortgage in Maryland vs the state
5.3%Denial rate-13.51 pts vs state
5.8%Decision denial rate-18.34 pts vs state
79.3%Origination rate+23.62 pts vs state
6.49%Median rate-0.13 pts vs state
0.09Rate spread (pts)-0.16 pts vs state
$122kMedian applicant income
165Loans originated
11Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 30 | 17.1% | 7.25% | #312 |
| 2024 | 212 | 174 | 8.5% | 6.63% | #146 |
| 2025 | 208 | 165 | 5.3% | 6.49% | #158 |
What First Community Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harford County | 52 | 43 | 2 | 3.8% |
| Baltimore County | 41 | 34 | 3 | 7.3% |
| Cecil County | 21 | 15 | 1 | 4.8% |
| Montgomery County | 16 | 11 | 0 | 0.0% |
| Prince George's County | 14 | 8 | 1 | 7.1% |
| Anne Arundel County | 10 | 9 | 0 | 0.0% |
| Baltimore city | 10 | 6 | 2 | 20.0% |
| Carroll County | 10 | 7 | 1 | 10.0% |
| Frederick County | 7 | 7 | 0 | 0.0% |
| Howard County | 6 | 5 | 1 | 16.7% |
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: 208 applications in 2025, of which 165 were originated and 11 denied.
5.3% of all applications, or 5.8% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans First Community Mortgage originated in Maryland in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are First Community 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