JUSTICE Federal Credit Union in Maryland vs the state
9.8%Denial rate-8.96 pts vs state
13.5%Decision denial rate-10.65 pts vs state
58.2%Origination rate+2.49 pts vs state
7.50%Median rate+0.88 pts vs state
1.13Rate spread (pts)+0.89 pts vs state
$170kMedian applicant income
71Loans originated
12Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 67 | 17.0% | 8.25% | #176 |
| 2024 | 125 | 65 | 12.8% | 8.50% | #191 |
| 2025 | 122 | 71 | 9.8% | 7.50% | #211 |
What JUSTICE Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most JUSTICE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 56 | 29 | 6 | 10.7% |
| Montgomery County | 19 | 11 | 1 | 5.3% |
| Anne Arundel County | 15 | 10 | 0 | 0.0% |
| Charles County | 13 | 8 | 4 | 30.8% |
| Baltimore County | 7 | 5 | 0 | 0.0% |
| Howard County | 4 | 3 | 1 | 25.0% |
| Worcester County | 3 | 1 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Baltimore city | 1 | 1 | 0 | 0.0% |
| St. Mary's 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: 122 applications in 2025, of which 71 were originated and 12 denied.
9.8% of all applications, or 13.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans JUSTICE Federal Credit Union originated in Maryland in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are JUSTICE 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