The Farmers Bank of Willards in Maryland vs the state
13.2%Denial rate-5.59 pts vs state
16.5%Decision denial rate-7.59 pts vs state
64.2%Origination rate+8.44 pts vs state
—Median rate
—Rate spread (pts)
$110kMedian applicant income
102Loans originated
21Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 231 | 136 | 12.6% | — | #128 |
| 2024 | 127 | 70 | 12.6% | — | #189 |
| 2025 | 159 | 102 | 13.2% | — | #186 |
What The Farmers Bank of Willards lends in Maryland
By loan purpose
By loan type
Where in Maryland
Counties with the most The Farmers Bank of Willards applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wicomico County | 87 | 57 | 12 | 13.8% |
| Worcester County | 59 | 38 | 6 | 10.2% |
| Somerset County | 7 | 3 | 1 | 14.3% |
| Dorchester County | 5 | 3 | 2 | 40.0% |
| Caroline County | 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: 159 applications in 2025, of which 102 were originated and 21 denied.
13.2% of all applications, or 16.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Farmers Bank of Willards'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