Sierra Pacific Mortgage Company in Maryland vs the state
9.8%Denial rate-8.96 pts vs state
12.5%Decision denial rate-11.68 pts vs state
68.3%Origination rate+12.54 pts vs state
6.63%Median rate0.00 pts vs state
0.22Rate spread (pts)-0.03 pts vs state
$127kMedian applicant income
215Loans originated
31Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 276 | 208 | 15.2% | 6.63% | #106 |
| 2024 | 395 | 282 | 11.9% | 6.63% | #96 |
| 2025 | 315 | 215 | 9.8% | 6.63% | #122 |
What Sierra Pacific Mortgage Company lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 54 | 41 | 2 | 3.7% |
| Prince George's County | 47 | 28 | 13 | 27.7% |
| Montgomery County | 39 | 23 | 6 | 15.4% |
| Anne Arundel County | 36 | 28 | 0 | 0.0% |
| Baltimore city | 30 | 20 | 0 | 0.0% |
| Carroll County | 20 | 13 | 3 | 15.0% |
| Harford County | 19 | 15 | 1 | 5.3% |
| Howard County | 18 | 12 | 3 | 16.7% |
| Frederick County | 13 | 11 | 0 | 0.0% |
| Washington County | 9 | 5 | 1 | 11.1% |
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: 315 applications in 2025, of which 215 were originated and 31 denied.
9.8% of all applications, or 12.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Sierra Pacific Mortgage Company originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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