Act 1st FCU in Maryland vs the state
11.1%Denial rate-7.69 pts vs state
13.3%Decision denial rate-10.80 pts vs state
72.2%Origination rate+16.51 pts vs state
—Median rate
—Rate spread (pts)
$77kMedian applicant income
26Loans originated
4Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 24 | 16.1% | 5.88% | #348 |
| 2024 | 31 | 28 | 3.2% | — | #358 |
| 2025 | 36 | 26 | 11.1% | — | #351 |
What Act 1st FCU lends in Maryland
By loan purpose
By loan type
Where in Maryland
Counties with the most Act 1st FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegany County | 33 | 24 | 3 | 9.1% |
| Garrett County | 3 | 2 | 1 | 33.3% |
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: 36 applications in 2025, of which 26 were originated and 4 denied.
11.1% of all applications, or 13.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Act 1st FCU'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