Johns Hopkins Federal Credit Union in Maryland vs the state
32.1%Denial rate+13.28 pts vs state
35.2%Decision denial rate+11.04 pts vs state
42.1%Origination rate-13.57 pts vs state
—Median rate
1.12Rate spread (pts)+0.87 pts vs state
$125kMedian applicant income
134Loans originated
102Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 212 | 97 | 22.6% | — | #131 |
| 2024 | 299 | 140 | 32.8% | — | #114 |
| 2025 | 318 | 134 | 32.1% | — | #120 |
What Johns Hopkins Federal Credit Union lends in Maryland
By loan purpose
By loan type
Where in Maryland
Counties with the most Johns Hopkins Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 118 | 41 | 41 | 34.7% |
| Baltimore city | 97 | 39 | 36 | 37.1% |
| Harford County | 27 | 12 | 12 | 44.4% |
| Howard County | 25 | 17 | 2 | 8.0% |
| Anne Arundel County | 20 | 10 | 5 | 25.0% |
| Montgomery County | 7 | 2 | 2 | 28.6% |
| Prince George's County | 7 | 4 | 1 | 14.3% |
| Carroll County | 5 | 3 | 1 | 20.0% |
| Calvert County | 4 | 1 | 1 | 25.0% |
| Frederick County | 4 | 2 | 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: 318 applications in 2025, of which 134 were originated and 102 denied.
32.1% of all applications, or 35.2% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Johns Hopkins 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