OCMBC in Maryland vs the state
17.5%Denial rate-1.35 pts vs state
21.7%Decision denial rate-2.42 pts vs state
50.2%Origination rate-5.49 pts vs state
7.50%Median rate+0.87 pts vs state
1.41Rate spread (pts)+1.16 pts vs state
$130kMedian applicant income
564Loans originated
196Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 595 | 337 | 28.2% | 8.88% | #67 |
| 2024 | 837 | 500 | 17.2% | 7.88% | #58 |
| 2025 | 1,123 | 564 | 17.5% | 7.50% | #52 |
What OCMBC lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 251 | 94 | 57 | 22.7% |
| Prince George's County | 241 | 123 | 40 | 16.6% |
| Baltimore County | 191 | 115 | 29 | 15.2% |
| Montgomery County | 133 | 65 | 20 | 15.0% |
| Anne Arundel County | 60 | 40 | 8 | 13.3% |
| Charles County | 39 | 21 | 7 | 17.9% |
| Howard County | 38 | 23 | 4 | 10.5% |
| Harford County | 29 | 16 | 5 | 17.2% |
| Washington County | 25 | 14 | 2 | 8.0% |
| Frederick County | 20 | 12 | 2 | 10.0% |
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: 1,123 applications in 2025, of which 564 were originated and 196 denied.
17.5% of all applications, or 21.7% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans OCMBC originated in Maryland in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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