Reliance First Capital in Maryland vs the state
2.7%Denial rate-16.12 pts vs state
3.3%Decision denial rate-20.80 pts vs state
76.8%Origination rate+21.08 pts vs state
6.81%Median rate+0.19 pts vs state
0.61Rate spread (pts)+0.36 pts vs state
$94kMedian applicant income
86Loans originated
3Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 61 | 6.0% | 6.63% | #227 |
| 2024 | 108 | 85 | 3.7% | 6.75% | #205 |
| 2025 | 112 | 86 | 2.7% | 6.81% | #216 |
What Reliance First Capital lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 24 | 16 | 2 | 8.3% |
| Anne Arundel County | 13 | 12 | 0 | 0.0% |
| Montgomery County | 12 | 9 | 0 | 0.0% |
| Baltimore County | 10 | 9 | 0 | 0.0% |
| Baltimore city | 8 | 7 | 0 | 0.0% |
| Frederick County | 7 | 3 | 1 | 14.3% |
| Wicomico County | 5 | 3 | 0 | 0.0% |
| Washington County | 5 | 5 | 0 | 0.0% |
| Charles County | 3 | 2 | 0 | 0.0% |
| Carroll County | 3 | 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: 112 applications in 2025, of which 86 were originated and 3 denied.
2.7% of all applications, or 3.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Reliance First Capital originated in Maryland in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are Reliance First Capital'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