Tomo Mortgage in Maryland vs the state
4.0%Denial rate-14.77 pts vs state
9.9%Decision denial rate-14.22 pts vs state
36.3%Origination rate-19.45 pts vs state
6.38%Median rate-0.25 pts vs state
-0.18Rate spread (pts)-0.43 pts vs state
$185kMedian applicant income
99Loans originated
11Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 4 | 0.0% | 6.31% | #545 |
| 2024 | 52 | 23 | 1.9% | 6.25% | #301 |
| 2025 | 273 | 99 | 4.0% | 6.38% | #132 |
What Tomo Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Tomo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 64 | 18 | 2 | 3.1% |
| Prince George's County | 32 | 12 | 2 | 6.3% |
| Anne Arundel County | 28 | 8 | 0 | 0.0% |
| Baltimore city | 27 | 8 | 1 | 3.7% |
| Baltimore County | 25 | 10 | 1 | 4.0% |
| Howard County | 23 | 8 | 2 | 8.7% |
| Frederick County | 16 | 7 | 0 | 0.0% |
| Harford County | 13 | 6 | 1 | 7.7% |
| Carroll County | 13 | 6 | 1 | 7.7% |
| Cecil County | 5 | 3 | 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: 273 applications in 2025, of which 99 were originated and 11 denied.
4.0% of all applications, or 9.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Tomo Mortgage originated in Maryland in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Tomo 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