Mld Mortgage in Maryland vs the state
2.1%Denial rate-16.72 pts vs state
2.4%Decision denial rate-21.75 pts vs state
82.3%Origination rate+26.58 pts vs state
6.50%Median rate-0.13 pts vs state
0.13Rate spread (pts)-0.11 pts vs state
$125kMedian applicant income
79Loans originated
2Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 23 | 17.5% | 6.38% | #313 |
| 2024 | 57 | 39 | 10.5% | 6.50% | #285 |
| 2025 | 96 | 79 | 2.1% | 6.50% | #235 |
What Mld Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Mld Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cecil County | 32 | 29 | 0 | 0.0% |
| Prince George's County | 13 | 8 | 1 | 7.7% |
| Baltimore city | 11 | 11 | 0 | 0.0% |
| Kent County | 9 | 8 | 0 | 0.0% |
| Anne Arundel County | 9 | 4 | 1 | 11.1% |
| Montgomery County | 5 | 4 | 0 | 0.0% |
| Charles County | 4 | 3 | 0 | 0.0% |
| Frederick County | 3 | 3 | 0 | 0.0% |
| Queen Anne's County | 2 | 1 | 0 | 0.0% |
| Washington 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: 96 applications in 2025, of which 79 were originated and 2 denied.
2.1% of all applications, or 2.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Mld Mortgage originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Mld 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