Prince George'S Community at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
64th19.9% deniedPricingmedian rate spread over APOR, weight 30%
5th1.18 ptsProcesswithdrawn + incomplete share, weight 15%
95th2.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 219 | 168 | 17.8% | 18.1% | 8.00% | $14M |
| 2024 | 244 | 181 | 18.4% | 18.6% | 8.50% | $18M |
| 2025 | 221 | 159 | 19.5% | 19.9% | 7.50% | $16M |
What Prince George'S Community lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 142 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 0 investment properties.
Why Prince George'S Community denies applications
Primary reason reported for each of the 43 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Prince George'S Community
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 65 | 38 | 25.8% |
| $100k – $150k | 66 | 48 | 20.0% |
| $150k – $250k | 56 | 49 | 12.5% |
| Over $250k | 22 | 16 | 14.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 32 | 22 | 25.8% |
| 45–54 | 60 | 41 | 22.0% |
| 55–64 | 73 | 55 | 15.3% |
| 65–74 | 35 | 25 | 18.2% |
Where Prince George'S Community lends
5 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maryland | 211 | 152 | 19.0% | 7.50% | #155 |
Frequently asked questions
Prince George'S Community denied 19.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 64th percentile of home-equity (HELOC) lenders.
The most common reason Prince George'S Community gave in 2025 was "other", cited on 72.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Prince George'S Community originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 1.18 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 0% of its applications were for home purchases, 26% for refinancing (including cash-out), and 73% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.