United Bank in Maryland vs the state
14.7%Denial rate-4.14 pts vs state
17.3%Decision denial rate-6.86 pts vs state
69.6%Origination rate+13.87 pts vs state
6.15%Median rate-0.47 pts vs state
0.11Rate spread (pts)-0.14 pts vs state
$140kMedian applicant income
318Loans originated
67Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 120 | 76 | 32.5% | 8.75% | #193 |
| 2024 | 826 | 609 | 10.3% | 6.56% | #59 |
| 2025 | 457 | 318 | 14.7% | 6.15% | #98 |
What United Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 161 | 124 | 16 | 9.9% |
| Prince George's County | 109 | 67 | 18 | 16.5% |
| Washington County | 47 | 33 | 11 | 23.4% |
| Anne Arundel County | 38 | 23 | 9 | 23.7% |
| Frederick County | 29 | 21 | 4 | 13.8% |
| Baltimore County | 16 | 10 | 3 | 18.8% |
| Baltimore city | 16 | 11 | 2 | 12.5% |
| Howard County | 12 | 11 | 0 | 0.0% |
| Carroll County | 6 | 5 | 1 | 16.7% |
| Charles 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: 457 applications in 2025, of which 318 were originated and 67 denied.
14.7% of all applications, or 17.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans United Bank originated in Maryland in 2025 was 6.15%, against a statewide median of 6.63%.
About this data. Figures are United 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