Home Loan Investment Bank in Maryland vs the state
17.9%Denial rate-0.94 pts vs state
29.4%Decision denial rate+5.28 pts vs state
42.9%Origination rate-12.85 pts vs state
8.25%Median rate+1.63 pts vs state
4.34Rate spread (pts)+4.09 pts vs state
$118kMedian applicant income
12Loans originated
5Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 14 | 25.5% | 8.38% | #281 |
| 2024 | 49 | 17 | 28.6% | 7.95% | #308 |
| 2025 | 28 | 12 | 17.9% | 8.25% | #379 |
What Home Loan Investment Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Caroline County | 4 | 3 | 0 | 0.0% |
| Somerset County | 4 | 2 | 1 | 25.0% |
| Wicomico County | 3 | 1 | 0 | 0.0% |
| Prince George's County | 3 | 0 | 0 | 0.0% |
| Queen Anne's County | 2 | 1 | 1 | 50.0% |
| Carroll County | 2 | 1 | 0 | 0.0% |
| Dorchester County | 2 | 1 | 0 | 0.0% |
| Garrett County | 1 | 1 | 0 | 0.0% |
| Calvert County | 1 | 1 | 0 | 0.0% |
| Baltimore 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: 28 applications in 2025, of which 12 were originated and 5 denied.
17.9% of all applications, or 29.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Home Loan Investment Bank originated in Maryland in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Home Loan Investment Bank'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