Village Capital & Investment in Maryland vs the state
22.2%Denial rate+3.35 pts vs state
29.1%Decision denial rate+4.99 pts vs state
30.8%Origination rate-24.88 pts vs state
5.75%Median rate-0.88 pts vs state
—Rate spread (pts)
$95kMedian applicant income
295Loans originated
212Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 447 | 78 | 17.2% | 6.07% | #88 |
| 2024 | 1,092 | 321 | 13.1% | 5.75% | #48 |
| 2025 | 957 | 295 | 22.2% | 5.75% | #58 |
What Village Capital & Investment lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 247 | 80 | 56 | 22.7% |
| Baltimore County | 109 | 25 | 30 | 27.5% |
| Anne Arundel County | 92 | 25 | 26 | 28.3% |
| Charles County | 88 | 35 | 14 | 15.9% |
| Baltimore city | 68 | 17 | 20 | 29.4% |
| Harford County | 50 | 23 | 7 | 14.0% |
| Montgomery County | 50 | 11 | 13 | 26.0% |
| Washington County | 32 | 10 | 4 | 12.5% |
| Frederick County | 29 | 9 | 5 | 17.2% |
| St. Mary's County | 28 | 10 | 4 | 14.3% |
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: 957 applications in 2025, of which 295 were originated and 212 denied.
22.2% of all applications, or 29.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Village Capital & Investment originated in Maryland in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment'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