Patriot in Maryland vs the state
26.0%Denial rate+7.22 pts vs state
29.1%Decision denial rate+4.92 pts vs state
60.2%Origination rate+4.51 pts vs state
4.99%Median rate-1.63 pts vs state
-2.21Rate spread (pts)-2.46 pts vs state
$111kMedian applicant income
162Loans originated
70Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 165 | 86 | 30.3% | 6.25% | #156 |
| 2024 | 291 | 155 | 32.0% | 4.99% | #116 |
| 2025 | 269 | 162 | 26.0% | 4.99% | #133 |
What Patriot lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Patriot applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 169 | 104 | 43 | 25.4% |
| Frederick County | 82 | 47 | 24 | 29.3% |
| Carroll County | 7 | 5 | 1 | 14.3% |
| Montgomery County | 4 | 4 | 0 | 0.0% |
| Harford County | 2 | 1 | 1 | 50.0% |
| Worcester County | 1 | 1 | 0 | 0.0% |
| Allegany County | 1 | 0 | 0 | 0.0% |
| Baltimore city | 1 | 0 | 0 | 0.0% |
| Dorchester County | 1 | 0 | 1 | 100.0% |
| St. Mary's County | 1 | 0 | 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: 269 applications in 2025, of which 162 were originated and 70 denied.
26.0% of all applications, or 29.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Patriot originated in Maryland in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Patriot'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