GTE Federal Credit Union in Maryland vs the state
17.0%Denial rate-1.80 pts vs state
19.1%Decision denial rate-5.03 pts vs state
69.0%Origination rate+13.29 pts vs state
9.25%Median rate+2.63 pts vs state
1.97Rate spread (pts)+1.72 pts vs state
$152kMedian applicant income
69Loans originated
17Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 32 | 32.3% | 11.50% | #269 |
| 2024 | 90 | 53 | 32.2% | 10.50% | #226 |
| 2025 | 100 | 69 | 17.0% | 9.25% | #227 |
What GTE Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most GTE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Anne Arundel County | 21 | 15 | 3 | 14.3% |
| Baltimore County | 13 | 10 | 1 | 7.7% |
| Howard County | 10 | 7 | 1 | 10.0% |
| Frederick County | 9 | 4 | 4 | 44.4% |
| Montgomery County | 7 | 4 | 2 | 28.6% |
| Prince George's County | 7 | 4 | 3 | 42.9% |
| Harford County | 6 | 5 | 1 | 16.7% |
| Charles County | 4 | 3 | 0 | 0.0% |
| Calvert County | 4 | 4 | 0 | 0.0% |
| Carroll County | 4 | 3 | 1 | 25.0% |
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: 100 applications in 2025, of which 69 were originated and 17 denied.
17.0% of all applications, or 19.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans GTE Federal Credit Union originated in Maryland in 2025 was 9.25%, against a statewide median of 6.63%.
About this data. Figures are GTE 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