First Peoples Community Federal Credit Union in Maryland vs the state
4.3%Denial rate-14.50 pts vs state
4.9%Decision denial rate-19.25 pts vs state
83.9%Origination rate+28.16 pts vs state
6.38%Median rate-0.25 pts vs state
0.06Rate spread (pts)-0.19 pts vs state
$94kMedian applicant income
156Loans originated
8Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 181 | 5.5% | 5.50% | #129 |
| 2024 | 198 | 164 | 7.1% | 6.25% | #153 |
| 2025 | 186 | 156 | 4.3% | 6.38% | #169 |
What First Peoples Community 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 Peoples Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegany County | 145 | 123 | 5 | 3.4% |
| Garrett County | 29 | 26 | 1 | 3.4% |
| Washington County | 8 | 4 | 1 | 12.5% |
| Frederick County | 3 | 2 | 1 | 33.3% |
| Harford 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: 186 applications in 2025, of which 156 were originated and 8 denied.
4.3% of all applications, or 4.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans First Peoples Community Federal Credit Union originated in Maryland in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are First Peoples Community 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