SmartFi Home Loans in Maryland vs the state
22.2%Denial rate+3.42 pts vs state
28.6%Decision denial rate+4.44 pts vs state
55.6%Origination rate-0.15 pts vs state
6.50%Median rate-0.13 pts vs state
—Rate spread (pts)
$27kMedian applicant income
5Loans originated
2Denied
What SmartFi Home Loans lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 3 | 1 | 2 | 66.7% |
| Charles County | 2 | 2 | 0 | 0.0% |
| Harford County | 1 | 0 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Prince George's County | 1 | 1 | 0 | 0.0% |
| Baltimore city | 1 | 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: 9 applications in 2025, of which 5 were originated and 2 denied.
22.2% of all applications, or 28.6% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans SmartFi Home Loans originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are SmartFi Home Loans'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