Credit Union Mortgage Association in Maryland vs the state
7.2%Denial rate-11.59 pts vs state
11.9%Decision denial rate-12.24 pts vs state
52.0%Origination rate-3.72 pts vs state
5.75%Median rate-0.88 pts vs state
-0.58Rate spread (pts)-0.83 pts vs state
$159kMedian applicant income
209Loans originated
29Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 325 | 183 | 9.2% | 5.63% | #102 |
| 2024 | 375 | 192 | 7.2% | 5.88% | #100 |
| 2025 | 402 | 209 | 7.2% | 5.75% | #106 |
What Credit Union Mortgage Association lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Credit Union Mortgage Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 74 | 41 | 5 | 6.8% |
| Prince George's County | 71 | 27 | 12 | 16.9% |
| Baltimore County | 54 | 37 | 1 | 1.9% |
| Howard County | 42 | 23 | 2 | 4.8% |
| Baltimore city | 34 | 18 | 1 | 2.9% |
| Anne Arundel County | 23 | 15 | 1 | 4.3% |
| Frederick County | 19 | 3 | 0 | 0.0% |
| Carroll County | 17 | 13 | 0 | 0.0% |
| Charles County | 15 | 6 | 3 | 20.0% |
| Harford County | 14 | 10 | 1 | 7.1% |
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: 402 applications in 2025, of which 209 were originated and 29 denied.
7.2% of all applications, or 11.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Credit Union Mortgage Association originated in Maryland in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Credit Union Mortgage Association'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