First Savings Mortgage in Maryland vs the state
0.7%Denial rate-18.10 pts vs state
0.9%Decision denial rate-23.27 pts vs state
81.2%Origination rate+25.49 pts vs state
6.50%Median rate-0.13 pts vs state
0.07Rate spread (pts)-0.18 pts vs state
$197kMedian applicant income
462Loans originated
4Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 543 | 441 | 0.6% | 6.50% | #74 |
| 2024 | 605 | 497 | 0.8% | 6.63% | #76 |
| 2025 | 569 | 462 | 0.7% | 6.50% | #78 |
What First Savings Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most First Savings Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 334 | 273 | 3 | 0.9% |
| Anne Arundel County | 59 | 51 | 0 | 0.0% |
| Prince George's County | 56 | 46 | 1 | 1.8% |
| Howard County | 27 | 20 | 0 | 0.0% |
| Frederick County | 26 | 18 | 0 | 0.0% |
| Baltimore County | 12 | 10 | 0 | 0.0% |
| Baltimore city | 11 | 9 | 0 | 0.0% |
| Worcester County | 10 | 8 | 0 | 0.0% |
| Carroll County | 7 | 3 | 0 | 0.0% |
| Queen Anne's County | 6 | 6 | 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: 569 applications in 2025, of which 462 were originated and 4 denied.
0.7% of all applications, or 0.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans First Savings Mortgage originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are First Savings 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