Member First Mortgage in Maryland vs the state
28.6%Denial rate+9.77 pts vs state
66.7%Decision denial rate+42.54 pts vs state
14.3%Origination rate-41.42 pts vs state
6.88%Median rate+0.25 pts vs state
0.27Rate spread (pts)+0.02 pts vs state
$154kMedian applicant income
1Loans originated
2Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 0 | 40.0% | — | #581 |
| 2025 | 7 | 1 | 28.6% | 6.88% | #511 |
What Member First Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Calvert County | 2 | 0 | 2 | 100.0% |
| Baltimore city | 2 | 0 | 0 | 0.0% |
| St. Mary's County | 1 | 0 | 0 | 0.0% |
| Harford County | 1 | 1 | 0 | 0.0% |
| Prince George's County | 1 | 0 | 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: 7 applications in 2025, of which 1 were originated and 2 denied.
28.6% of all applications, or 66.7% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Member First Mortgage originated in Maryland in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Member First Mortgage'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