Mid-Atlantic Federal Credit Union in Maryland vs the state
29.8%Denial rate+11.02 pts vs state
41.1%Decision denial rate+17.00 pts vs state
42.7%Origination rate-13.02 pts vs state
7.50%Median rate+0.88 pts vs state
0.29Rate spread (pts)+0.04 pts vs state
$157kMedian applicant income
73Loans originated
51Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 100 | 46 | 29.0% | 8.75% | #213 |
| 2024 | 172 | 80 | 28.5% | 8.50% | #167 |
| 2025 | 171 | 73 | 29.8% | 7.50% | #177 |
What Mid-Atlantic Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Mid-Atlantic Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 110 | 54 | 28 | 25.5% |
| Frederick County | 20 | 8 | 5 | 25.0% |
| Anne Arundel County | 5 | 2 | 2 | 40.0% |
| Howard County | 4 | 2 | 1 | 25.0% |
| Washington County | 4 | 1 | 1 | 25.0% |
| Prince George's County | 3 | 2 | 0 | 0.0% |
| Baltimore County | 3 | 0 | 0 | 0.0% |
| Charles County | 2 | 1 | 0 | 0.0% |
| Carroll 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: 171 applications in 2025, of which 73 were originated and 51 denied.
29.8% of all applications, or 41.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Mid-Atlantic Federal Credit Union originated in Maryland in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Mid-Atlantic 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