Lafayette Federal Credit Union in Maryland vs the state
22.7%Denial rate+3.86 pts vs state
27.1%Decision denial rate+2.93 pts vs state
57.1%Origination rate+1.43 pts vs state
7.50%Median rate+0.88 pts vs state
0.42Rate spread (pts)+0.18 pts vs state
$176kMedian applicant income
116Loans originated
46Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 172 | 88 | 26.7% | 7.88% | #153 |
| 2024 | 192 | 111 | 18.2% | 8.50% | #156 |
| 2025 | 203 | 116 | 22.7% | 7.50% | #160 |
What Lafayette Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Lafayette Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 78 | 44 | 17 | 21.8% |
| Prince George's County | 42 | 22 | 11 | 26.2% |
| Anne Arundel County | 18 | 12 | 3 | 16.7% |
| Howard County | 15 | 9 | 2 | 13.3% |
| Frederick County | 8 | 6 | 1 | 12.5% |
| Baltimore city | 7 | 2 | 4 | 57.1% |
| Worcester County | 6 | 1 | 3 | 50.0% |
| Baltimore County | 6 | 5 | 1 | 16.7% |
| Charles County | 5 | 2 | 2 | 40.0% |
| Carroll County | 5 | 3 | 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: 203 applications in 2025, of which 116 were originated and 46 denied.
22.7% of all applications, or 27.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Lafayette Federal Credit Union originated in Maryland in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Lafayette 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