Milend in Maryland vs the state
14.6%Denial rate-4.22 pts vs state
35.6%Decision denial rate+11.46 pts vs state
22.2%Origination rate-33.49 pts vs state
6.25%Median rate-0.38 pts vs state
0.12Rate spread (pts)-0.13 pts vs state
$92kMedian applicant income
32Loans originated
21Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 7 | 7.4% | 6.50% | #362 |
| 2024 | 47 | 13 | 10.6% | 6.25% | #314 |
| 2025 | 144 | 32 | 14.6% | 6.25% | #199 |
What Milend lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Milend applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 28 | 6 | 4 | 14.3% |
| Harford County | 15 | 2 | 4 | 26.7% |
| Montgomery County | 13 | 2 | 3 | 23.1% |
| Baltimore County | 12 | 3 | 2 | 16.7% |
| Charles County | 11 | 4 | 1 | 9.1% |
| Carroll County | 9 | 5 | 1 | 11.1% |
| Washington County | 8 | 3 | 0 | 0.0% |
| Baltimore city | 8 | 1 | 2 | 25.0% |
| Howard County | 5 | 0 | 0 | 0.0% |
| Wicomico County | 4 | 1 | 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: 144 applications in 2025, of which 32 were originated and 21 denied.
14.6% 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 Milend originated in Maryland in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Milend'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