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10. Maryland

Average credit score: 734

Of all the states in the Mortgage Marvel top 10, Maryland jumped the highest from its 2010 position — an impressive 12 spots.

While the jump is notable, a closer look shows that it’s not based on a dramatic increase in the state’s average credit score. In 2010, Maryland had a credit score of 734, while in 2011 it rose to 740, an increase of just six points.

Joe Sohm | Visions of America | Getty Images