Virginia vs Maryland: mortgage lending
In 2023, Virginia had the lower mortgage denial rate of the two — 17.3% versus 18.3% in Maryland, a gap of about 1.0 points. Virginia originated about 126,501 loans and Maryland about 83,330. By loan type, Virginia was 73.1% conventional / 11.9% FHA / 14.4% VA, versus 76.0% / 15.2% / 8.4% in Maryland. Informational data, not lending advice.
Source: HMDA Data Browser (FFIEC / CFPB). Data as of June 2026.
Virginia vs Maryland side by side
| Indicator | Virginia | Maryland |
|---|---|---|
| Total originations | 126,501 | 83,330 |
| Denial rate | 17.3% | 18.3% |
| Home-purchase denial rate | 12.0% | 11.7% |
| Refinance denial rate | 31.6% | 33.9% |
| Conventional share | 73.1% | 76.0% |
| FHA share | 11.9% | 15.2% |
| VA share | 14.4% | 8.4% |
Verdict
On denial rate alone, an application looks more likely to be approved in Virginia than Maryland by roughly 1.0 points — but that mostly reflects who applies and for what kind of loan, not a promise about your file. Read each state's full profile for context: Virginia and Maryland. To estimate a payment in either, use the mortgage calculator.
Frequently asked questions
Is it harder to get a mortgage in Virginia or Maryland?
By denial rate, Maryland turned down a higher share of applications in 2023: 18.3% versus 17.3% in Virginia, a gap of about 1.0 points. Denial rate reflects the applicant pool and loan mix as much as lender strictness, so it is a signal, not a guarantee about your own application.
Which state originates more mortgages, Virginia or Maryland?
Virginia originated more — about 126,501 home-purchase and refinance loans versus 83,330 in Maryland (HMDA 2023). Volume mostly tracks population and home values.
How do the loan-type mixes compare?
In Virginia, conventional loans were 73.1%, FHA 11.9% and VA 14.4% of originations; in Maryland they were 76.0%, 15.2% and 8.4%. A higher FHA/VA share usually means more first-time, lower-down-payment, or veteran buyers.
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Last updated: 2026-06-20