Cedar Point Federal Credit Union in Maryland vs the state
5.9%Denial rate-12.95 pts vs state
7.2%Decision denial rate-16.89 pts vs state
73.4%Origination rate+17.69 pts vs state
8.25%Median rate+1.63 pts vs state
1.51Rate spread (pts)+1.27 pts vs state
$143kMedian applicant income
138Loans originated
11Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 178 | 135 | 3.9% | 8.75% | #148 |
| 2024 | 163 | 132 | 4.3% | 9.25% | #170 |
| 2025 | 188 | 138 | 5.9% | 8.25% | #168 |
What Cedar Point Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
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: 188 applications in 2025, of which 138 were originated and 11 denied.
5.9% of all applications, or 7.2% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Cedar Point Federal Credit Union originated in Maryland in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Cedar Point 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