The Federal Savings Bank in Maryland vs the state
10.1%Denial rate-8.71 pts vs state
21.0%Decision denial rate-3.16 pts vs state
36.2%Origination rate-19.49 pts vs state
6.50%Median rate-0.13 pts vs state
0.24Rate spread (pts)-0.01 pts vs state
$109kMedian applicant income
201Loans originated
56Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 757 | 270 | 11.2% | 6.50% | #54 |
| 2024 | 601 | 210 | 11.3% | 6.50% | #77 |
| 2025 | 555 | 201 | 10.1% | 6.50% | #82 |
What The Federal Savings Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 129 | 44 | 15 | 11.6% |
| Baltimore County | 64 | 22 | 7 | 10.9% |
| Anne Arundel County | 61 | 30 | 1 | 1.6% |
| Charles County | 42 | 10 | 5 | 11.9% |
| Baltimore city | 41 | 11 | 3 | 7.3% |
| Montgomery County | 34 | 9 | 8 | 23.5% |
| Harford County | 31 | 14 | 3 | 9.7% |
| Washington County | 20 | 7 | 4 | 20.0% |
| Frederick County | 19 | 9 | 0 | 0.0% |
| Howard County | 15 | 6 | 1 | 6.7% |
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: 555 applications in 2025, of which 201 were originated and 56 denied.
10.1% of all applications, or 21.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans The Federal Savings Bank originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings Bank'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