Mid-Atlantic Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
7th42.1% deniedPricingmedian rate spread over APOR, weight 30%
46th0.20 ptsProcesswithdrawn + incomplete share, weight 15%
4th27.5%Closing coststotal loan costs ÷ loan amount, weight 10%
78th2.11% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 120 | 53 | 27.5% | 37.9% | 8.75% | $9.4M |
| 2024 | 197 | 89 | 30.0% | 39.6% | 8.50% | $21M |
| 2025 | 200 | 84 | 30.5% | 42.1% | 7.50% | $23M |
What Mid-Atlantic Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 148 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 9 investment properties.
Why Mid-Atlantic Federal Credit Union denies applications
Primary reason reported for each of the 61 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Mid-Atlantic Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 39 | 13 | 58.1% |
| $100k – $150k | 36 | 16 | 44.8% |
| $150k – $250k | 58 | 28 | 28.2% |
| Over $250k | 49 | 24 | 22.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 33 | 13 | 35.0% |
| 45–54 | 60 | 26 | 44.7% |
| 55–64 | 52 | 22 | 42.1% |
| 65–74 | 28 | 10 | 41.2% |
Where Mid-Atlantic Federal Credit Union lends
14 states and 30 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Mid-Atlantic Federal Credit Union denied 42.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 7th percentile of home-equity (HELOC) lenders.
The most common reason Mid-Atlantic Federal Credit Union gave in 2025 was "other", cited on 68.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Mid-Atlantic Federal Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.20 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 12% of its applications were for home purchases, 16% for refinancing (including cash-out), and 73% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.