Andrews Federal Credit Union in Maryland vs the state
11.1%Denial rate-7.69 pts vs state
14.0%Decision denial rate-10.11 pts vs state
66.7%Origination rate+10.96 pts vs state
6.99%Median rate+0.37 pts vs state
0.98Rate spread (pts)+0.74 pts vs state
$125kMedian applicant income
90Loans originated
15Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 42 | 14.5% | 8.74% | #267 |
| 2024 | 182 | 92 | 7.7% | 7.99% | #163 |
| 2025 | 135 | 90 | 11.1% | 6.99% | #205 |
What Andrews Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Andrews Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 70 | 52 | 7 | 10.0% |
| Charles County | 23 | 14 | 4 | 17.4% |
| Montgomery County | 9 | 5 | 1 | 11.1% |
| Anne Arundel County | 9 | 4 | 1 | 11.1% |
| Frederick County | 7 | 6 | 0 | 0.0% |
| Howard County | 4 | 2 | 0 | 0.0% |
| Baltimore County | 3 | 2 | 0 | 0.0% |
| Calvert County | 3 | 2 | 0 | 0.0% |
| St. Mary's County | 2 | 1 | 0 | 0.0% |
| Harford County | 2 | 1 | 1 | 50.0% |
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: 135 applications in 2025, of which 90 were originated and 15 denied.
11.1% of all applications, or 14.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Andrews Federal Credit Union originated in Maryland in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Andrews Federal Credit Union'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