U.S. Bank in Maryland vs the state
53.1%Denial rate+34.28 pts vs state
61.6%Decision denial rate+37.45 pts vs state
32.1%Origination rate-23.62 pts vs state
7.45%Median rate+0.83 pts vs state
0.78Rate spread (pts)+0.53 pts vs state
$133kMedian applicant income
463Loans originated
766Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,514 | 469 | 56.1% | 7.60% | #31 |
| 2024 | 1,430 | 493 | 52.2% | 7.63% | #34 |
| 2025 | 1,443 | 463 | 53.1% | 7.45% | #42 |
What U.S. Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 304 | 135 | 120 | 39.5% |
| Prince George's County | 220 | 51 | 133 | 60.5% |
| Anne Arundel County | 180 | 66 | 81 | 45.0% |
| Baltimore County | 166 | 34 | 111 | 66.9% |
| Baltimore city | 108 | 22 | 72 | 66.7% |
| Charles County | 72 | 19 | 49 | 68.1% |
| Frederick County | 70 | 32 | 30 | 42.9% |
| Howard County | 66 | 28 | 20 | 30.3% |
| Calvert County | 41 | 22 | 12 | 29.3% |
| Harford County | 40 | 7 | 29 | 72.5% |
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: 1,443 applications in 2025, of which 463 were originated and 766 denied.
53.1% of all applications, or 61.6% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans U.S. Bank originated in Maryland in 2025 was 7.45%, against a statewide median of 6.63%.
About this data. Figures are U.S. 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