NBKC Bank in Maryland vs the state
12.4%Denial rate-6.45 pts vs state
17.4%Decision denial rate-6.74 pts vs state
56.8%Origination rate+1.08 pts vs state
6.25%Median rate-0.38 pts vs state
-0.16Rate spread (pts)-0.41 pts vs state
$157kMedian applicant income
92Loans originated
20Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 151 | 89 | 8.0% | 6.38% | #165 |
| 2024 | 235 | 146 | 9.8% | 6.13% | #134 |
| 2025 | 162 | 92 | 12.4% | 6.25% | #183 |
What NBKC Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 45 | 27 | 6 | 13.3% |
| Howard County | 20 | 10 | 3 | 15.0% |
| Anne Arundel County | 17 | 10 | 3 | 17.6% |
| Baltimore County | 16 | 9 | 2 | 12.5% |
| Frederick County | 11 | 7 | 0 | 0.0% |
| Prince George's County | 10 | 4 | 2 | 20.0% |
| Baltimore city | 9 | 5 | 1 | 11.1% |
| Harford County | 8 | 4 | 0 | 0.0% |
| Charles County | 5 | 2 | 2 | 40.0% |
| St. Mary's County | 5 | 3 | 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: 162 applications in 2025, of which 92 were originated and 20 denied.
12.4% of all applications, or 17.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans NBKC Bank originated in Maryland in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are NBKC Bank'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