Jams-01 in Maryland vs the state
0.0%Denial rate-18.80 pts vs state
0.0%Decision denial rate-24.13 pts vs state
86.7%Origination rate+30.96 pts vs state
6.38%Median rate-0.25 pts vs state
0.06Rate spread (pts)-0.19 pts vs state
$146kMedian applicant income
13Loans originated
0Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 16 | 3.3% | 6.75% | #349 |
| 2024 | 22 | 18 | 4.6% | 6.50% | #398 |
| 2025 | 15 | 13 | 0.0% | 6.38% | #436 |
What Jams-01 lends in Maryland
By loan purpose
By loan type
Where in Maryland
Counties with the most Jams-01 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 5 | 5 | 0 | 0.0% |
| Montgomery County | 5 | 4 | 0 | 0.0% |
| Howard County | 1 | 1 | 0 | 0.0% |
| Harford County | 1 | 0 | 0 | 0.0% |
| Charles County | 1 | 1 | 0 | 0.0% |
| Carroll County | 1 | 1 | 0 | 0.0% |
| Calvert County | 1 | 1 | 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: 15 applications in 2025, of which 13 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Jams-01 originated in Maryland in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Jams-01'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