American Heritage FCU in Maryland vs the state
47.8%Denial rate+29.03 pts vs state
61.1%Decision denial rate+36.98 pts vs state
30.4%Origination rate-25.28 pts vs state
6.74%Median rate+0.12 pts vs state
0.72Rate spread (pts)+0.47 pts vs state
$142kMedian applicant income
7Loans originated
11Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 4 | 37.5% | 8.62% | #428 |
| 2024 | 20 | 5 | 55.0% | 7.24% | #414 |
| 2025 | 23 | 7 | 47.8% | 6.74% | #394 |
What American Heritage FCU lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most American Heritage FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Howard County | 4 | 2 | 1 | 25.0% |
| Anne Arundel County | 4 | 0 | 2 | 50.0% |
| Worcester County | 3 | 0 | 2 | 66.7% |
| Cecil County | 3 | 1 | 2 | 66.7% |
| Wicomico County | 2 | 0 | 2 | 100.0% |
| Prince George's County | 2 | 1 | 1 | 50.0% |
| Baltimore County | 2 | 1 | 1 | 50.0% |
| Baltimore city | 1 | 1 | 0 | 0.0% |
| Charles County | 1 | 1 | 0 | 0.0% |
| Frederick County | 1 | 0 | 0 | 0.0% |
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: 23 applications in 2025, of which 7 were originated and 11 denied.
47.8% of all applications, or 61.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans American Heritage FCU originated in Maryland in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are American Heritage 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