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As stated before. They don't actually know your mothers maiden name. This is kind of a password verification thing. When you call after the app and they say what is your mothers maiden name. it will be the same as when you applied. I even had one that asked me my fathers middle name. I do know it. But i can tell you for sure they don't.
Agree with everyone else who said it's more of a password verification thing than them matching to any records.