Royal United Mortgage in Maryland vs the state
15.0%Denial rate-3.80 pts vs state
19.4%Decision denial rate-4.78 pts vs state
55.0%Origination rate-0.71 pts vs state
6.50%Median rate-0.13 pts vs state
0.90Rate spread (pts)+0.65 pts vs state
$40kMedian applicant income
22Loans originated
6Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 63 | 41 | 20.6% | 6.88% | #262 |
| 2024 | 66 | 37 | 27.3% | 6.88% | #269 |
| 2025 | 40 | 22 | 15.0% | 6.50% | #340 |
What Royal United Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 9 | 4 | 2 | 22.2% |
| Baltimore city | 6 | 4 | 2 | 33.3% |
| Anne Arundel County | 5 | 3 | 0 | 0.0% |
| Allegany County | 3 | 1 | 1 | 33.3% |
| Montgomery County | 3 | 2 | 0 | 0.0% |
| Harford County | 2 | 1 | 0 | 0.0% |
| Garrett County | 2 | 1 | 0 | 0.0% |
| Wicomico County | 2 | 2 | 0 | 0.0% |
| Calvert County | 2 | 2 | 0 | 0.0% |
| Washington County | 2 | 1 | 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: 40 applications in 2025, of which 22 were originated and 6 denied.
15.0% of all applications, or 19.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Royal United Mortgage originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Royal United Mortgage'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