Wilmington Savings Fund Society in Maryland vs the state
13.7%Denial rate-5.12 pts vs state
16.5%Decision denial rate-7.67 pts vs state
67.4%Origination rate+11.66 pts vs state
7.00%Median rate+0.38 pts vs state
0.01Rate spread (pts)-0.24 pts vs state
$158kMedian applicant income
64Loans originated
13Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 46 | 12.7% | 7.56% | #250 |
| 2024 | 75 | 46 | 22.7% | 7.75% | #254 |
| 2025 | 95 | 64 | 13.7% | 7.00% | #237 |
What Wilmington Savings Fund Society lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Wilmington Savings Fund Society applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cecil County | 43 | 27 | 6 | 14.0% |
| Worcester County | 17 | 10 | 4 | 23.5% |
| Queen Anne's County | 6 | 4 | 1 | 16.7% |
| Baltimore County | 4 | 2 | 0 | 0.0% |
| Kent County | 4 | 3 | 1 | 25.0% |
| Harford County | 3 | 3 | 0 | 0.0% |
| Montgomery County | 3 | 2 | 1 | 33.3% |
| Anne Arundel County | 3 | 3 | 0 | 0.0% |
| St. Mary's County | 2 | 2 | 0 | 0.0% |
| Carroll County | 2 | 1 | 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: 95 applications in 2025, of which 64 were originated and 13 denied.
13.7% of all applications, or 16.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Wilmington Savings Fund Society originated in Maryland in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Wilmington Savings Fund Society'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