Resicentral in Maryland vs the state
5.1%Denial rate-13.72 pts vs state
6.4%Decision denial rate-17.75 pts vs state
67.8%Origination rate+12.09 pts vs state
6.56%Median rate-0.07 pts vs state
0.19Rate spread (pts)-0.06 pts vs state
$134kMedian applicant income
40Loans originated
3Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 14 | 7.1% | 6.88% | #353 |
| 2024 | 72 | 54 | 1.4% | 6.63% | #261 |
| 2025 | 59 | 40 | 5.1% | 6.56% | #297 |
What Resicentral lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Resicentral applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 12 | 8 | 1 | 8.3% |
| Frederick County | 11 | 8 | 0 | 0.0% |
| Baltimore County | 8 | 5 | 1 | 12.5% |
| Anne Arundel County | 5 | 3 | 0 | 0.0% |
| Harford County | 5 | 5 | 0 | 0.0% |
| Baltimore city | 3 | 0 | 0 | 0.0% |
| St. Mary's County | 3 | 1 | 1 | 33.3% |
| Calvert County | 2 | 2 | 0 | 0.0% |
| Carroll County | 2 | 2 | 0 | 0.0% |
| Worcester County | 2 | 2 | 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: 59 applications in 2025, of which 40 were originated and 3 denied.
5.1% of all applications, or 6.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Resicentral originated in Maryland in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are Resicentral'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