The Mortgage Link in Maryland vs the state
3.4%Denial rate-15.40 pts vs state
4.1%Decision denial rate-20.01 pts vs state
71.3%Origination rate+15.59 pts vs state
6.50%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.10 pts vs state
$108kMedian applicant income
231Loans originated
11Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 329 | 253 | 1.2% | 6.75% | #100 |
| 2024 | 284 | 191 | 4.9% | 6.63% | #119 |
| 2025 | 324 | 231 | 3.4% | 6.50% | #119 |
What The Mortgage Link lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most The Mortgage Link applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 109 | 75 | 3 | 2.8% |
| Frederick County | 57 | 48 | 1 | 1.8% |
| Prince George's County | 51 | 32 | 4 | 7.8% |
| Baltimore County | 30 | 20 | 1 | 3.3% |
| Anne Arundel County | 20 | 15 | 2 | 10.0% |
| Washington County | 14 | 11 | 0 | 0.0% |
| Howard County | 11 | 7 | 0 | 0.0% |
| Baltimore city | 7 | 4 | 0 | 0.0% |
| Worcester County | 7 | 3 | 0 | 0.0% |
| Charles County | 6 | 6 | 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: 324 applications in 2025, of which 231 were originated and 11 denied.
3.4% of all applications, or 4.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans The Mortgage Link originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The Mortgage Link'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