Home Mortgage Alliance Corporation (HMAC) in Maryland vs the state
15.4%Denial rate-3.42 pts vs state
22.7%Decision denial rate-1.40 pts vs state
50.8%Origination rate-4.94 pts vs state
7.25%Median rate+0.63 pts vs state
1.59Rate spread (pts)+1.34 pts vs state
$111kMedian applicant income
33Loans originated
10Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 22 | 12.9% | 8.19% | #268 |
| 2024 | 85 | 55 | 2.4% | 7.50% | #235 |
| 2025 | 65 | 33 | 15.4% | 7.25% | #291 |
What Home Mortgage Alliance Corporation (HMAC) lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 21 | 12 | 3 | 14.3% |
| Montgomery County | 13 | 7 | 1 | 7.7% |
| Baltimore city | 6 | 2 | 3 | 50.0% |
| Baltimore County | 5 | 3 | 1 | 20.0% |
| Anne Arundel County | 4 | 3 | 1 | 25.0% |
| Queen Anne's County | 3 | 1 | 1 | 33.3% |
| Washington County | 3 | 0 | 0 | 0.0% |
| Charles County | 3 | 2 | 0 | 0.0% |
| Howard County | 2 | 1 | 0 | 0.0% |
| Carroll County | 2 | 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: 65 applications in 2025, of which 33 were originated and 10 denied.
15.4% of all applications, or 22.7% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Maryland in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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