Lima One Capital in Maryland vs the state
22.5%Denial rate+3.67 pts vs state
30.8%Decision denial rate+6.64 pts vs state
50.6%Origination rate-5.15 pts vs state
8.80%Median rate+2.18 pts vs state
—Rate spread (pts)
—Median applicant income
45Loans originated
20Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 131 | 131 | 0.0% | 9.40% | #183 |
| 2024 | 203 | 132 | 20.2% | 8.48% | #151 |
| 2025 | 89 | 45 | 22.5% | 8.80% | #251 |
What Lima One Capital lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 33 | 14 | 11 | 33.3% |
| Baltimore County | 17 | 6 | 1 | 5.9% |
| Prince George's County | 12 | 8 | 4 | 33.3% |
| Montgomery County | 9 | 6 | 1 | 11.1% |
| Frederick County | 3 | 2 | 0 | 0.0% |
| Washington County | 3 | 1 | 2 | 66.7% |
| Anne Arundel County | 2 | 2 | 0 | 0.0% |
| Harford County | 2 | 2 | 0 | 0.0% |
| Howard County | 2 | 1 | 0 | 0.0% |
| Queen Anne's County | 2 | 2 | 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: 89 applications in 2025, of which 45 were originated and 20 denied.
22.5% of all applications, or 30.8% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Lima One Capital originated in Maryland in 2025 was 8.80%, against a statewide median of 6.63%.
About this data. Figures are Lima One Capital'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