Guidance Residential in Maryland vs the state
0.7%Denial rate-18.06 pts vs state
1.0%Decision denial rate-23.16 pts vs state
70.4%Origination rate+14.66 pts vs state
6.88%Median rate+0.25 pts vs state
0.28Rate spread (pts)+0.04 pts vs state
$146kMedian applicant income
95Loans originated
1Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 53 | 3.5% | 6.88% | #224 |
| 2024 | 95 | 61 | 4.2% | 7.13% | #222 |
| 2025 | 135 | 95 | 0.7% | 6.88% | #204 |
What Guidance Residential lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 31 | 23 | 0 | 0.0% |
| Prince George's County | 28 | 17 | 1 | 3.6% |
| Howard County | 21 | 14 | 0 | 0.0% |
| Montgomery County | 20 | 16 | 0 | 0.0% |
| Baltimore city | 10 | 7 | 0 | 0.0% |
| Frederick County | 9 | 7 | 0 | 0.0% |
| Anne Arundel County | 6 | 4 | 0 | 0.0% |
| Washington County | 3 | 1 | 0 | 0.0% |
| Charles County | 2 | 2 | 0 | 0.0% |
| Allegany 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: 135 applications in 2025, of which 95 were originated and 1 denied.
0.7% of all applications, or 1.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Guidance Residential originated in Maryland in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Guidance Residential'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