Guaranteed Rate Affinity in Maryland vs the state
3.1%Denial rate-15.74 pts vs state
4.0%Decision denial rate-20.09 pts vs state
72.0%Origination rate+16.30 pts vs state
6.58%Median rate-0.05 pts vs state
0.20Rate spread (pts)-0.05 pts vs state
$134kMedian applicant income
517Loans originated
22Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 728 | 510 | 3.4% | 6.63% | #57 |
| 2024 | 627 | 455 | 3.0% | 6.75% | #73 |
| 2025 | 718 | 517 | 3.1% | 6.58% | #67 |
What Guaranteed Rate Affinity lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Anne Arundel County | 168 | 130 | 6 | 3.6% |
| Baltimore County | 96 | 72 | 2 | 2.1% |
| Harford County | 63 | 45 | 0 | 0.0% |
| Howard County | 62 | 49 | 1 | 1.6% |
| Prince George's County | 52 | 26 | 5 | 9.6% |
| Montgomery County | 47 | 38 | 1 | 2.1% |
| Worcester County | 39 | 28 | 0 | 0.0% |
| Baltimore city | 39 | 28 | 1 | 2.6% |
| Wicomico County | 29 | 19 | 1 | 3.4% |
| Carroll County | 21 | 17 | 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: 718 applications in 2025, of which 517 were originated and 22 denied.
3.1% of all applications, or 4.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Guaranteed Rate Affinity originated in Maryland in 2025 was 6.58%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity'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