Members 1st in Maryland vs the state
34.0%Denial rate+15.16 pts vs state
38.3%Decision denial rate+14.17 pts vs state
52.8%Origination rate-2.88 pts vs state
1.99%Median rate-4.64 pts vs state
-5.18Rate spread (pts)-5.43 pts vs state
$136kMedian applicant income
56Loans originated
36Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 57 | 49.6% | 1.99% | #172 |
| 2024 | 152 | 58 | 52.0% | 1.99% | #180 |
| 2025 | 106 | 56 | 34.0% | 1.99% | #223 |
What Members 1st lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Members 1st applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carroll County | 24 | 14 | 6 | 25.0% |
| Baltimore County | 15 | 5 | 7 | 46.7% |
| Anne Arundel County | 9 | 6 | 2 | 22.2% |
| Worcester County | 8 | 3 | 3 | 37.5% |
| Frederick County | 8 | 5 | 3 | 37.5% |
| Montgomery County | 7 | 4 | 3 | 42.9% |
| Prince George's County | 6 | 3 | 3 | 50.0% |
| Harford County | 5 | 2 | 3 | 60.0% |
| Wicomico County | 5 | 5 | 0 | 0.0% |
| Cecil County | 4 | 3 | 1 | 25.0% |
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: 106 applications in 2025, of which 56 were originated and 36 denied.
34.0% of all applications, or 38.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Members 1st originated in Maryland in 2025 was 1.99%, against a statewide median of 6.63%.
About this data. Figures are Members 1st'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