First National Bank of Pennsylvania in Maryland vs the state
24.6%Denial rate+5.81 pts vs state
28.2%Decision denial rate+4.02 pts vs state
62.4%Origination rate+6.67 pts vs state
6.49%Median rate-0.13 pts vs state
-0.23Rate spread (pts)-0.47 pts vs state
$151kMedian applicant income
1,678Loans originated
662Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,450 | 1,317 | 32.7% | 6.63% | #14 |
| 2024 | 2,436 | 1,393 | 30.5% | 6.88% | #18 |
| 2025 | 2,690 | 1,678 | 24.6% | 6.49% | #19 |
What First National Bank of Pennsylvania 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 Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 671 | 429 | 159 | 23.7% |
| Montgomery County | 362 | 208 | 94 | 26.0% |
| Harford County | 349 | 241 | 77 | 22.1% |
| Anne Arundel County | 291 | 181 | 71 | 24.4% |
| Baltimore city | 272 | 172 | 75 | 27.6% |
| Howard County | 231 | 137 | 61 | 26.4% |
| Prince George's County | 185 | 103 | 47 | 25.4% |
| Carroll County | 75 | 57 | 13 | 17.3% |
| Frederick County | 64 | 45 | 9 | 14.1% |
| Cecil County | 49 | 26 | 17 | 34.7% |
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: 2,690 applications in 2025, of which 1,678 were originated and 662 denied.
24.6% of all applications, or 28.2% 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 Pennsylvania originated in Maryland in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of Pennsylvania'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