Hometown Equity Mortgage in Maryland vs the state
56.6%Denial rate+37.76 pts vs state
59.0%Decision denial rate+34.84 pts vs state
39.3%Origination rate-16.37 pts vs state
7.38%Median rate+0.75 pts vs state
1.10Rate spread (pts)+0.86 pts vs state
$151kMedian applicant income
96Loans originated
138Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 100 | 32 | 56.0% | 9.19% | #211 |
| 2024 | 158 | 71 | 51.3% | 7.88% | #176 |
| 2025 | 244 | 96 | 56.6% | 7.38% | #141 |
What Hometown Equity Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 68 | 17 | 49 | 72.1% |
| Prince George's County | 42 | 16 | 23 | 54.8% |
| Baltimore County | 38 | 15 | 23 | 60.5% |
| Montgomery County | 32 | 10 | 19 | 59.4% |
| Anne Arundel County | 20 | 13 | 7 | 35.0% |
| Howard County | 7 | 5 | 1 | 14.3% |
| Harford County | 6 | 3 | 3 | 50.0% |
| Carroll County | 6 | 1 | 5 | 83.3% |
| Worcester County | 4 | 4 | 0 | 0.0% |
| Charles County | 4 | 1 | 3 | 75.0% |
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: 244 applications in 2025, of which 96 were originated and 138 denied.
56.6% of all applications, or 59.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Hometown Equity Mortgage originated in Maryland in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity 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