Union Home Mortgage in Maryland vs the state
9.7%Denial rate-9.12 pts vs state
12.2%Decision denial rate-11.90 pts vs state
67.4%Origination rate+11.66 pts vs state
6.50%Median rate-0.13 pts vs state
0.34Rate spread (pts)+0.10 pts vs state
$121kMedian applicant income
320Loans originated
46Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 297 | 230 | 2.4% | 7.00% | #103 |
| 2024 | 523 | 359 | 8.0% | 6.88% | #81 |
| 2025 | 475 | 320 | 9.7% | 6.50% | #94 |
What Union Home Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 73 | 45 | 6 | 8.2% |
| Baltimore city | 69 | 47 | 11 | 15.9% |
| Montgomery County | 59 | 44 | 3 | 5.1% |
| Prince George's County | 57 | 31 | 6 | 10.5% |
| Anne Arundel County | 47 | 36 | 2 | 4.3% |
| Howard County | 33 | 25 | 4 | 12.1% |
| Allegany County | 25 | 17 | 4 | 16.0% |
| Frederick County | 24 | 21 | 0 | 0.0% |
| Harford County | 19 | 15 | 1 | 5.3% |
| Washington County | 10 | 6 | 2 | 20.0% |
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: 475 applications in 2025, of which 320 were originated and 46 denied.
9.7% of all applications, or 12.2% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Union Home Mortgage originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Union Home 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