First Technology Federal Credit Union in Maryland vs the state
7.7%Denial rate-11.11 pts vs state
11.1%Decision denial rate-13.02 pts vs state
50.0%Origination rate-5.71 pts vs state
7.88%Median rate+1.25 pts vs state
0.68Rate spread (pts)+0.43 pts vs state
$196kMedian applicant income
13Loans originated
2Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 6 | 21.4% | 6.56% | #447 |
| 2024 | 10 | 4 | 40.0% | 7.13% | #481 |
| 2025 | 26 | 13 | 7.7% | 7.88% | #387 |
What First Technology 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 Technology Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 9 | 4 | 0 | 0.0% |
| Montgomery County | 4 | 2 | 1 | 25.0% |
| Baltimore city | 3 | 1 | 1 | 33.3% |
| Baltimore County | 3 | 2 | 0 | 0.0% |
| Harford County | 2 | 0 | 0 | 0.0% |
| Howard County | 2 | 2 | 0 | 0.0% |
| Calvert County | 1 | 0 | 0 | 0.0% |
| Anne Arundel County | 1 | 1 | 0 | 0.0% |
| Cecil 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: 26 applications in 2025, of which 13 were originated and 2 denied.
7.7% of all applications, or 11.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans First Technology Federal Credit Union originated in Maryland in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are First Technology 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