Swbc Mortgage in Maryland vs the state
3.4%Denial rate-15.42 pts vs state
4.0%Decision denial rate-20.14 pts vs state
75.4%Origination rate+19.73 pts vs state
6.63%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.04 pts vs state
$145kMedian applicant income
424Loans originated
19Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 400 | 309 | 3.3% | 6.88% | #92 |
| 2024 | 448 | 348 | 4.2% | 6.63% | #90 |
| 2025 | 562 | 424 | 3.4% | 6.63% | #80 |
What Swbc Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Swbc Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 92 | 72 | 3 | 3.3% |
| Montgomery County | 67 | 52 | 2 | 3.0% |
| Frederick County | 66 | 51 | 1 | 1.5% |
| Howard County | 60 | 45 | 3 | 5.0% |
| Carroll County | 54 | 42 | 1 | 1.9% |
| Prince George's County | 45 | 32 | 3 | 6.7% |
| Anne Arundel County | 44 | 31 | 2 | 4.5% |
| Worcester County | 26 | 24 | 0 | 0.0% |
| Harford County | 26 | 18 | 2 | 7.7% |
| Baltimore city | 23 | 17 | 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: 562 applications in 2025, of which 424 were originated and 19 denied.
3.4% of all applications, or 4.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Swbc Mortgage originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Swbc 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