Zillow Home Loans in Maryland vs the state
5.1%Denial rate-13.67 pts vs state
6.3%Decision denial rate-17.81 pts vs state
75.2%Origination rate+19.50 pts vs state
6.50%Median rate-0.13 pts vs state
0.20Rate spread (pts)-0.05 pts vs state
$120kMedian applicant income
352Loans originated
24Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 57 | 10.5% | 6.75% | #225 |
| 2024 | 147 | 103 | 6.8% | 6.63% | #182 |
| 2025 | 468 | 352 | 5.1% | 6.50% | #97 |
What Zillow Home Loans lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 77 | 59 | 1 | 1.3% |
| Anne Arundel County | 67 | 53 | 4 | 6.0% |
| Prince George's County | 56 | 36 | 5 | 8.9% |
| Baltimore County | 56 | 45 | 4 | 7.1% |
| Baltimore city | 42 | 29 | 3 | 7.1% |
| Frederick County | 33 | 29 | 3 | 9.1% |
| Howard County | 31 | 22 | 1 | 3.2% |
| Harford County | 21 | 15 | 0 | 0.0% |
| Carroll County | 18 | 15 | 0 | 0.0% |
| Charles County | 16 | 9 | 2 | 12.5% |
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: 468 applications in 2025, of which 352 were originated and 24 denied.
5.1% of all applications, or 6.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Zillow Home Loans originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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