First Heritage Mortgage in Maryland vs the state
3.4%Denial rate-15.38 pts vs state
4.3%Decision denial rate-19.88 pts vs state
76.3%Origination rate+20.56 pts vs state
6.38%Median rate-0.25 pts vs state
0.12Rate spread (pts)-0.13 pts vs state
$138kMedian applicant income
1,160Loans originated
52Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 725 | 563 | 1.5% | 6.50% | #58 |
| 2024 | 1,139 | 909 | 1.8% | 6.48% | #47 |
| 2025 | 1,521 | 1,160 | 3.4% | 6.38% | #35 |
What First Heritage Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most First Heritage Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 580 | 429 | 27 | 4.7% |
| Montgomery County | 359 | 284 | 9 | 2.5% |
| Frederick County | 127 | 97 | 3 | 2.4% |
| Charles County | 87 | 64 | 4 | 4.6% |
| Anne Arundel County | 84 | 72 | 0 | 0.0% |
| Baltimore city | 49 | 41 | 0 | 0.0% |
| Baltimore County | 48 | 40 | 1 | 2.1% |
| Howard County | 47 | 32 | 0 | 0.0% |
| Carroll County | 39 | 31 | 2 | 5.1% |
| Washington County | 24 | 16 | 3 | 12.5% |
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: 1,521 applications in 2025, of which 1,160 were originated and 52 denied.
3.4% of all applications, or 4.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans First Heritage Mortgage originated in Maryland in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are First Heritage 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