NVR Mortgage Finance in Maryland vs the state
19.7%Denial rate+0.88 pts vs state
22.0%Decision denial rate-2.14 pts vs state
69.8%Origination rate+14.10 pts vs state
6.25%Median rate-0.38 pts vs state
0.03Rate spread (pts)-0.22 pts vs state
$149kMedian applicant income
1,912Loans originated
539Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,905 | 2,084 | 15.9% | 6.13% | #11 |
| 2024 | 3,006 | 2,198 | 16.6% | 6.38% | #14 |
| 2025 | 2,739 | 1,912 | 19.7% | 6.25% | #17 |
What NVR Mortgage Finance lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most NVR Mortgage Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 873 | 632 | 179 | 20.5% |
| Anne Arundel County | 422 | 309 | 74 | 17.5% |
| Frederick County | 308 | 230 | 38 | 12.3% |
| Harford County | 270 | 185 | 67 | 24.8% |
| Howard County | 211 | 154 | 17 | 8.1% |
| Baltimore County | 141 | 87 | 33 | 23.4% |
| Worcester County | 95 | 70 | 17 | 17.9% |
| Montgomery County | 91 | 49 | 27 | 29.7% |
| Charles County | 83 | 45 | 25 | 30.1% |
| Baltimore city | 71 | 37 | 26 | 36.6% |
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: 2,739 applications in 2025, of which 1,912 were originated and 539 denied.
19.7% of all applications, or 22.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans NVR Mortgage Finance originated in Maryland in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are NVR Mortgage Finance'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