Guild Mortgage in Maryland vs the state
4.5%Denial rate-14.31 pts vs state
5.4%Decision denial rate-18.72 pts vs state
72.6%Origination rate+16.89 pts vs state
6.50%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.06 pts vs state
$120kMedian applicant income
954Loans originated
59Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 549 | 427 | 2.4% | 6.88% | #72 |
| 2024 | 936 | 679 | 3.9% | 6.63% | #56 |
| 2025 | 1,314 | 954 | 4.5% | 6.50% | #43 |
What Guild Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cecil County | 283 | 223 | 6 | 2.1% |
| Prince George's County | 158 | 91 | 16 | 10.1% |
| Baltimore County | 112 | 88 | 7 | 6.3% |
| Anne Arundel County | 95 | 60 | 2 | 2.1% |
| Harford County | 87 | 72 | 0 | 0.0% |
| Montgomery County | 86 | 59 | 5 | 5.8% |
| Frederick County | 75 | 61 | 1 | 1.3% |
| Howard County | 67 | 47 | 3 | 4.5% |
| Baltimore city | 61 | 40 | 9 | 14.8% |
| Carroll County | 54 | 44 | 1 | 1.9% |
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: 1,314 applications in 2025, of which 954 were originated and 59 denied.
4.5% of all applications, or 5.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Guild Mortgage originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guild 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