Highlands Residential Mortgage in Maryland vs the state
6.0%Denial rate-12.78 pts vs state
7.1%Decision denial rate-16.99 pts vs state
77.1%Origination rate+21.40 pts vs state
6.63%Median rate0.00 pts vs state
0.52Rate spread (pts)+0.28 pts vs state
$117kMedian applicant income
64Loans originated
5Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 17 | 0.0% | 7.38% | #396 |
| 2024 | 48 | 31 | 2.1% | 6.62% | #311 |
| 2025 | 83 | 64 | 6.0% | 6.63% | #261 |
What Highlands Residential Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 26 | 21 | 1 | 3.8% |
| Baltimore city | 21 | 16 | 2 | 9.5% |
| Baltimore County | 8 | 5 | 1 | 12.5% |
| Montgomery County | 6 | 5 | 1 | 16.7% |
| Howard County | 6 | 4 | 0 | 0.0% |
| Anne Arundel County | 5 | 5 | 0 | 0.0% |
| Carroll County | 4 | 3 | 0 | 0.0% |
| Charles County | 3 | 2 | 0 | 0.0% |
| Frederick County | 2 | 2 | 0 | 0.0% |
| Worcester County | 1 | 0 | 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: 83 applications in 2025, of which 64 were originated and 5 denied.
6.0% of all applications, or 7.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Highlands Residential Mortgage originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Highlands Residential 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