Apple Federal Credit Union in Maryland vs the state
39.6%Denial rate+20.80 pts vs state
52.3%Decision denial rate+28.16 pts vs state
36.1%Origination rate-19.57 pts vs state
7.49%Median rate+0.87 pts vs state
0.99Rate spread (pts)+0.74 pts vs state
$145kMedian applicant income
73Loans originated
80Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 52 | 44.4% | 8.50% | #163 |
| 2024 | 210 | 83 | 35.2% | 8.74% | #148 |
| 2025 | 202 | 73 | 39.6% | 7.49% | #162 |
What Apple Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Apple Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 71 | 25 | 30 | 42.3% |
| Montgomery County | 35 | 20 | 10 | 28.6% |
| Anne Arundel County | 17 | 6 | 6 | 35.3% |
| Charles County | 16 | 4 | 8 | 50.0% |
| Frederick County | 13 | 5 | 3 | 23.1% |
| Howard County | 11 | 3 | 4 | 36.4% |
| Worcester County | 6 | 1 | 3 | 50.0% |
| St. Mary's County | 5 | 1 | 1 | 20.0% |
| Baltimore city | 5 | 1 | 4 | 80.0% |
| Baltimore County | 5 | 1 | 2 | 40.0% |
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: 202 applications in 2025, of which 73 were originated and 80 denied.
39.6% of all applications, or 52.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Apple Federal Credit Union originated in Maryland in 2025 was 7.49%, against a statewide median of 6.63%.
About this data. Figures are Apple 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