Mortgage Access in Maryland vs the state
7.5%Denial rate-11.35 pts vs state
9.9%Decision denial rate-14.27 pts vs state
66.0%Origination rate+10.25 pts vs state
6.49%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.10 pts vs state
$141kMedian applicant income
62Loans originated
7Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 107 | 68 | 3.7% | 6.99% | #202 |
| 2024 | 96 | 67 | 6.3% | 6.99% | #219 |
| 2025 | 94 | 62 | 7.5% | 6.49% | #239 |
What Mortgage Access lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 62 | 40 | 4 | 6.5% |
| Prince George's County | 8 | 5 | 1 | 12.5% |
| Frederick County | 6 | 5 | 0 | 0.0% |
| Anne Arundel County | 5 | 3 | 0 | 0.0% |
| Calvert County | 3 | 1 | 1 | 33.3% |
| Howard County | 3 | 3 | 0 | 0.0% |
| Harford County | 2 | 2 | 0 | 0.0% |
| Carroll County | 2 | 1 | 1 | 50.0% |
| Baltimore County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 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: 94 applications in 2025, of which 62 were originated and 7 denied.
7.5% of all applications, or 9.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Mortgage Access originated in Maryland in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Access'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