CHESSIE Federal Credit Union in Maryland vs the state
7.5%Denial rate-11.32 pts vs state
8.8%Decision denial rate-15.34 pts vs state
76.6%Origination rate+20.93 pts vs state
6.13%Median rate-0.50 pts vs state
0.04Rate spread (pts)-0.21 pts vs state
$83kMedian applicant income
82Loans originated
8Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 97 | 81 | 5.2% | 6.75% | #217 |
| 2024 | 98 | 82 | 7.1% | 7.00% | #217 |
| 2025 | 107 | 82 | 7.5% | 6.13% | #220 |
What CHESSIE Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most CHESSIE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegany County | 98 | 78 | 7 | 7.1% |
| Garrett County | 5 | 3 | 0 | 0.0% |
| Baltimore County | 1 | 0 | 0 | 0.0% |
| Washington 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: 107 applications in 2025, of which 82 were originated and 8 denied.
7.5% of all applications, or 8.8% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans CHESSIE Federal Credit Union originated in Maryland in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are CHESSIE 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