Citadel Federal Credit Union in Maryland vs the state
38.9%Denial rate+20.09 pts vs state
56.0%Decision denial rate+31.87 pts vs state
30.6%Origination rate-25.15 pts vs state
5.50%Median rate-1.13 pts vs state
0.09Rate spread (pts)-0.16 pts vs state
$150kMedian applicant income
11Loans originated
14Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 6 | 47.4% | 6.72% | #400 |
| 2024 | 36 | 12 | 50.0% | 6.56% | #346 |
| 2025 | 36 | 11 | 38.9% | 5.50% | #352 |
What Citadel Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Citadel Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cecil County | 15 | 4 | 6 | 40.0% |
| Worcester County | 6 | 2 | 2 | 33.3% |
| Baltimore County | 3 | 0 | 3 | 100.0% |
| Howard County | 3 | 1 | 1 | 33.3% |
| Kent County | 3 | 2 | 0 | 0.0% |
| Wicomico County | 1 | 0 | 0 | 0.0% |
| Dorchester County | 1 | 0 | 0 | 0.0% |
| Queen Anne's County | 1 | 1 | 0 | 0.0% |
| Caroline County | 1 | 1 | 0 | 0.0% |
| Harford County | 1 | 0 | 1 | 100.0% |
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: 36 applications in 2025, of which 11 were originated and 14 denied.
38.9% of all applications, or 56.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Citadel Federal Credit Union originated in Maryland in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are Citadel 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