Kind Lending in Maryland vs the state
31.1%Denial rate+12.28 pts vs state
35.6%Decision denial rate+11.44 pts vs state
55.2%Origination rate-0.47 pts vs state
6.63%Median rate0.00 pts vs state
0.34Rate spread (pts)+0.10 pts vs state
$135kMedian applicant income
311Loans originated
175Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 123 | 68 | 30.1% | 6.99% | #189 |
| 2024 | 289 | 170 | 27.0% | 6.63% | #117 |
| 2025 | 563 | 311 | 31.1% | 6.63% | #79 |
What Kind Lending lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 143 | 66 | 53 | 37.1% |
| Montgomery County | 76 | 47 | 19 | 25.0% |
| Baltimore County | 54 | 32 | 17 | 31.5% |
| Anne Arundel County | 50 | 31 | 9 | 18.0% |
| Baltimore city | 47 | 21 | 19 | 40.4% |
| Frederick County | 36 | 21 | 9 | 25.0% |
| Howard County | 33 | 17 | 10 | 30.3% |
| Charles County | 28 | 14 | 13 | 46.4% |
| Harford County | 20 | 8 | 10 | 50.0% |
| Carroll County | 19 | 15 | 3 | 15.8% |
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: 563 applications in 2025, of which 311 were originated and 175 denied.
31.1% of all applications, or 35.6% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Kind Lending originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Kind Lending'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