Kiavi Funding in Maryland vs the state
9.8%Denial rate-9.04 pts vs state
14.9%Decision denial rate-9.20 pts vs state
54.1%Origination rate-1.65 pts vs state
9.95%Median rate+3.32 pts vs state
—Rate spread (pts)
—Median applicant income
493Loans originated
89Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 590 | 328 | 17.1% | 10.95% | #69 |
| 2024 | 762 | 516 | 9.1% | 10.95% | #62 |
| 2025 | 912 | 493 | 9.8% | 9.95% | #60 |
What Kiavi Funding lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 320 | 172 | 41 | 12.8% |
| Prince George's County | 202 | 67 | 10 | 5.0% |
| Baltimore County | 112 | 86 | 9 | 8.0% |
| Anne Arundel County | 49 | 21 | 9 | 18.4% |
| Montgomery County | 45 | 27 | 2 | 4.4% |
| Charles County | 38 | 21 | 6 | 15.8% |
| Harford County | 30 | 25 | 2 | 6.7% |
| St. Mary's County | 13 | 6 | 0 | 0.0% |
| Washington County | 13 | 6 | 0 | 0.0% |
| Frederick County | 13 | 9 | 1 | 7.7% |
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: 912 applications in 2025, of which 493 were originated and 89 denied.
9.8% of all applications, or 14.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Kiavi Funding originated in Maryland in 2025 was 9.95%, against a statewide median of 6.63%.
About this data. Figures are Kiavi Funding'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