First National Bank of America in Maryland vs the state
9.4%Denial rate-9.39 pts vs state
11.7%Decision denial rate-12.47 pts vs state
70.8%Origination rate+15.08 pts vs state
9.13%Median rate+2.50 pts vs state
2.84Rate spread (pts)+2.59 pts vs state
$94kMedian applicant income
143Loans originated
19Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 421 | 292 | 15.0% | 9.88% | #90 |
| 2024 | 350 | 253 | 13.1% | 9.25% | #106 |
| 2025 | 202 | 143 | 9.4% | 9.13% | #161 |
What First National Bank of America lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 52 | 35 | 6 | 11.5% |
| Montgomery County | 29 | 22 | 5 | 17.2% |
| Baltimore County | 29 | 20 | 1 | 3.4% |
| Baltimore city | 23 | 16 | 1 | 4.3% |
| Anne Arundel County | 19 | 12 | 4 | 21.1% |
| Wicomico County | 8 | 7 | 0 | 0.0% |
| Washington County | 6 | 5 | 0 | 0.0% |
| Charles County | 6 | 5 | 0 | 0.0% |
| Howard County | 6 | 5 | 0 | 0.0% |
| Carroll County | 5 | 3 | 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: 202 applications in 2025, of which 143 were originated and 19 denied.
9.4% of all applications, or 11.7% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans First National Bank of America originated in Maryland in 2025 was 9.13%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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