First Financial of Maryland Federal Credit Union in Maryland vs the state
12.5%Denial rate-6.34 pts vs state
13.4%Decision denial rate-10.70 pts vs state
77.5%Origination rate+21.80 pts vs state
5.00%Median rate-1.63 pts vs state
0.22Rate spread (pts)-0.03 pts vs state
$132kMedian applicant income
541Loans originated
87Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 763 | 586 | 8.4% | 5.13% | #53 |
| 2024 | 711 | 536 | 11.5% | 5.75% | #67 |
| 2025 | 698 | 541 | 12.5% | 5.00% | #69 |
What First Financial of Maryland Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most First Financial of Maryland Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 346 | 259 | 52 | 15.0% |
| Carroll County | 136 | 116 | 13 | 9.6% |
| Baltimore city | 57 | 34 | 8 | 14.0% |
| Harford County | 46 | 39 | 3 | 6.5% |
| Anne Arundel County | 24 | 20 | 1 | 4.2% |
| Howard County | 22 | 19 | 1 | 4.5% |
| Frederick County | 21 | 17 | 4 | 19.0% |
| Worcester County | 10 | 7 | 3 | 30.0% |
| Montgomery County | 7 | 5 | 1 | 14.3% |
| Prince George's County | 6 | 6 | 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: 698 applications in 2025, of which 541 were originated and 87 denied.
12.5% of all applications, or 13.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans First Financial of Maryland Federal Credit Union originated in Maryland in 2025 was 5.00%, against a statewide median of 6.63%.
About this data. Figures are First Financial of Maryland 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