Maryland’s FHA denial rate in 2025 was 24.1% across 25,535 decisioned applications — ranking #17 of 52 states. Among high-volume lenders, the lowest observed denial rate was Nfm, Inc at 3.1%; the highest was Lakeview Loan Servicing, LLC at 68.7%. The institutional spread inside Maryland is 22.2×: the same FHA application faces a 3.1% observed denial rate at one high-volume door and 68.7% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Maryland FHA apps | Denial rate |
|---|---|---|
| Nfm, Inc | 520 | 3.1% |
| Townebank | 383 | 4.7% |
| First Home Mortgage | 761 | 4.9% |
| Crosscountry Mortgage, LLC | 423 | 8.0% |
| Freedom Mortgage Corporation | 1,271 | 18.2% |
| Dhi Mortgage Company, Ltd. | 383 | 23.5% |
| Pennymac Loan Services LLC | 947 | 24.7% |
| United Wholesale Mortgage | 2,137 | 27.9% |
| Rocket Mortgage | 1,940 | 29.4% |
| Nvr Mortgage Finance, Inc. | 869 | 34.6% |
| Loandepot.Com LLC | 424 | 38.9% |
| New American Funding, LLC. | 395 | 44.6% |
| Newrez LLC | 688 | 63.8% |
| Carrington Mortgage Services LLC | 537 | 65.9% |
| Lakeview Loan Servicing, LLC | 435 | 68.7% |
Applications under $150K were denied 43.1% of the time versus 21.7% for loans of $250K+ — a 2.0× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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