First United in Maryland vs the state
11.6%Denial rate-7.19 pts vs state
12.7%Decision denial rate-11.45 pts vs state
69.0%Origination rate+13.32 pts vs state
—Median rate
—Rate spread (pts)
$111kMedian applicant income
107Loans originated
18Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 202 | 151 | 10.9% | — | #141 |
| 2024 | 159 | 129 | 6.3% | — | #175 |
| 2025 | 155 | 107 | 11.6% | — | #190 |
What First United lends in Maryland
By loan purpose
By loan type
Where in Maryland
Counties with the most First United applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Garrett County | 67 | 42 | 10 | 14.9% |
| Allegany County | 65 | 53 | 4 | 6.2% |
| Washington County | 14 | 5 | 2 | 14.3% |
| Frederick County | 4 | 3 | 1 | 25.0% |
| Montgomery County | 2 | 1 | 1 | 50.0% |
| Baltimore County | 1 | 1 | 0 | 0.0% |
| Worcester County | 1 | 1 | 0 | 0.0% |
| Howard County | 1 | 1 | 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: 155 applications in 2025, of which 107 were originated and 18 denied.
11.6% of all applications, or 12.7% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First United'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