Vanderbilt Mortgage and Finance in Maryland vs the state
52.8%Denial rate+34.02 pts vs state
91.0%Decision denial rate+66.88 pts vs state
5.0%Origination rate-50.70 pts vs state
10.63%Median rate+4.00 pts vs state
4.78Rate spread (pts)+4.53 pts vs state
$58kMedian applicant income
24Loans originated
253Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 336 | 28 | 48.2% | 10.12% | #99 |
| 2024 | 365 | 28 | 51.8% | 10.38% | #103 |
| 2025 | 479 | 24 | 52.8% | 10.63% | #92 |
What Vanderbilt Mortgage and Finance lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wicomico County | 76 | 1 | 36 | 47.4% |
| Anne Arundel County | 54 | 6 | 29 | 53.7% |
| Prince George's County | 43 | 0 | 23 | 53.5% |
| Dorchester County | 38 | 1 | 26 | 68.4% |
| Worcester County | 36 | 1 | 23 | 63.9% |
| Caroline County | 32 | 1 | 17 | 53.1% |
| Somerset County | 28 | 1 | 15 | 53.6% |
| Baltimore County | 24 | 3 | 12 | 50.0% |
| Cecil County | 23 | 2 | 13 | 56.5% |
| Kent County | 19 | 2 | 11 | 57.9% |
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: 479 applications in 2025, of which 24 were originated and 253 denied.
52.8% of all applications, or 91.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Maryland in 2025 was 10.63%, against a statewide median of 6.63%.
About this data. Figures are Vanderbilt Mortgage and Finance'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