LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Maryland vs the state
7.3%Denial rate-11.51 pts vs state
11.4%Decision denial rate-12.76 pts vs state
46.5%Origination rate-9.21 pts vs state
6.00%Median rate-0.63 pts vs state
-0.27Rate spread (pts)-0.52 pts vs state
$180kMedian applicant income
153Loans originated
24Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 11 | 3.6% | 5.50% | #352 |
| 2024 | 108 | 48 | 5.6% | 6.00% | #204 |
| 2025 | 329 | 153 | 7.3% | 6.00% | #117 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 90 | 39 | 12 | 13.3% |
| Howard County | 43 | 21 | 2 | 4.7% |
| Baltimore County | 33 | 13 | 2 | 6.1% |
| Anne Arundel County | 31 | 18 | 0 | 0.0% |
| Prince George's County | 27 | 8 | 2 | 7.4% |
| Frederick County | 23 | 11 | 0 | 0.0% |
| Baltimore city | 19 | 9 | 1 | 5.3% |
| Harford County | 13 | 9 | 0 | 0.0% |
| Carroll County | 8 | 2 | 0 | 0.0% |
| Calvert County | 8 | 4 | 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: 329 applications in 2025, of which 153 were originated and 24 denied.
7.3% of all applications, or 11.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Maryland in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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