Homexpress Mortgage in Maryland vs the state
43.0%Denial rate+24.20 pts vs state
43.3%Decision denial rate+19.17 pts vs state
55.3%Origination rate-0.42 pts vs state
7.63%Median rate+1.00 pts vs state
1.28Rate spread (pts)+1.03 pts vs state
$237kMedian applicant income
162Loans originated
126Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 194 | 108 | 42.3% | 8.63% | #142 |
| 2024 | 246 | 145 | 37.8% | 8.00% | #126 |
| 2025 | 293 | 162 | 43.0% | 7.63% | #128 |
What Homexpress Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 59 | 30 | 29 | 49.2% |
| Prince George's County | 56 | 30 | 26 | 46.4% |
| Baltimore County | 45 | 26 | 18 | 40.0% |
| Anne Arundel County | 29 | 14 | 14 | 48.3% |
| Montgomery County | 27 | 19 | 8 | 29.6% |
| Harford County | 13 | 10 | 3 | 23.1% |
| Worcester County | 12 | 3 | 9 | 75.0% |
| St. Mary's County | 7 | 4 | 2 | 28.6% |
| Charles County | 6 | 5 | 0 | 0.0% |
| Queen Anne's County | 6 | 2 | 4 | 66.7% |
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: 293 applications in 2025, of which 162 were originated and 126 denied.
43.0% of all applications, or 43.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Homexpress Mortgage originated in Maryland in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Homexpress 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