Total Mortgage Services in Maryland vs the state
4.7%Denial rate-14.15 pts vs state
6.3%Decision denial rate-17.88 pts vs state
69.2%Origination rate+13.48 pts vs state
6.75%Median rate+0.13 pts vs state
0.69Rate spread (pts)+0.44 pts vs state
$113kMedian applicant income
119Loans originated
8Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 3 | 0.0% | 7.75% | #506 |
| 2024 | 103 | 58 | 20.4% | 6.99% | #211 |
| 2025 | 172 | 119 | 4.7% | 6.75% | #176 |
What Total Mortgage Services lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Total Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 34 | 17 | 2 | 5.9% |
| Montgomery County | 28 | 20 | 0 | 0.0% |
| Baltimore County | 21 | 18 | 0 | 0.0% |
| Frederick County | 15 | 10 | 0 | 0.0% |
| Baltimore city | 14 | 7 | 2 | 14.3% |
| Anne Arundel County | 12 | 10 | 2 | 16.7% |
| Washington County | 10 | 8 | 0 | 0.0% |
| Carroll County | 9 | 7 | 0 | 0.0% |
| Howard County | 8 | 6 | 0 | 0.0% |
| Queen Anne's County | 6 | 4 | 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: 172 applications in 2025, of which 119 were originated and 8 denied.
4.7% of all applications, or 6.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Total Mortgage Services originated in Maryland in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Total Mortgage Services'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