My Mortgage in Maryland vs the state
2.2%Denial rate-16.58 pts vs state
3.1%Decision denial rate-21.05 pts vs state
62.2%Origination rate+6.51 pts vs state
6.63%Median rate0.00 pts vs state
0.44Rate spread (pts)+0.20 pts vs state
$115kMedian applicant income
56Loans originated
2Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 81 | 0.9% | 6.75% | #195 |
| 2024 | 108 | 71 | 4.6% | 6.63% | #206 |
| 2025 | 90 | 56 | 2.2% | 6.63% | #245 |
What My Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most My Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 21 | 9 | 0 | 0.0% |
| Baltimore County | 18 | 14 | 0 | 0.0% |
| Anne Arundel County | 16 | 9 | 0 | 0.0% |
| Charles County | 7 | 5 | 1 | 14.3% |
| Wicomico County | 7 | 3 | 0 | 0.0% |
| Baltimore city | 4 | 3 | 0 | 0.0% |
| Queen Anne's County | 4 | 2 | 0 | 0.0% |
| Harford County | 3 | 3 | 0 | 0.0% |
| Howard County | 2 | 2 | 0 | 0.0% |
| St. Mary's County | 2 | 1 | 1 | 50.0% |
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: 90 applications in 2025, of which 56 were originated and 2 denied.
2.2% of all applications, or 3.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans My Mortgage originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are My 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