Nations Direct Mortgage in Maryland vs the state
8.2%Denial rate-10.64 pts vs state
11.0%Decision denial rate-13.12 pts vs state
66.0%Origination rate+10.28 pts vs state
6.50%Median rate-0.13 pts vs state
0.32Rate spread (pts)+0.07 pts vs state
$128kMedian applicant income
97Loans originated
12Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 76 | 16.3% | 6.75% | #185 |
| 2024 | 113 | 72 | 7.1% | 6.63% | #202 |
| 2025 | 147 | 97 | 8.2% | 6.50% | #194 |
What Nations Direct Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 34 | 19 | 5 | 14.7% |
| Frederick County | 22 | 16 | 0 | 0.0% |
| Montgomery County | 20 | 14 | 3 | 15.0% |
| Anne Arundel County | 16 | 13 | 1 | 6.3% |
| Baltimore County | 11 | 8 | 0 | 0.0% |
| Howard County | 8 | 4 | 0 | 0.0% |
| Washington County | 7 | 6 | 1 | 14.3% |
| Baltimore city | 7 | 3 | 0 | 0.0% |
| Carroll County | 5 | 3 | 0 | 0.0% |
| Talbot County | 4 | 4 | 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: 147 applications in 2025, of which 97 were originated and 12 denied.
8.2% of all applications, or 11.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Nations Direct Mortgage originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct 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