Bank-Fund Staff Federal Credit Union in Maryland vs the state
10.4%Denial rate-8.42 pts vs state
12.2%Decision denial rate-11.92 pts vs state
73.1%Origination rate+17.34 pts vs state
6.50%Median rate-0.13 pts vs state
-0.10Rate spread (pts)-0.35 pts vs state
$205kMedian applicant income
366Loans originated
52Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 392 | 290 | 10.7% | 6.31% | #95 |
| 2024 | 513 | 309 | 12.1% | 7.50% | #83 |
| 2025 | 501 | 366 | 10.4% | 6.50% | #89 |
What Bank-Fund Staff Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Bank-Fund Staff Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 381 | 295 | 32 | 8.4% |
| Prince George's County | 59 | 34 | 10 | 16.9% |
| Baltimore city | 15 | 8 | 4 | 26.7% |
| Howard County | 14 | 10 | 2 | 14.3% |
| Anne Arundel County | 8 | 5 | 1 | 12.5% |
| Frederick County | 8 | 4 | 1 | 12.5% |
| Baltimore County | 6 | 2 | 2 | 33.3% |
| Calvert County | 3 | 3 | 0 | 0.0% |
| Talbot County | 2 | 2 | 0 | 0.0% |
| Allegany County | 1 | 1 | 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: 501 applications in 2025, of which 366 were originated and 52 denied.
10.4% of all applications, or 12.2% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Bank-Fund Staff Federal Credit Union originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Bank-Fund Staff 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