Municipal Employees Credit Union of Baltimore at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
3rd41.3% deniedProcesswithdrawn + incomplete share, weight 15%
6th28.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 213 | 89 | 21.6% | 33.3% | — | $13M |
| 2024 | 215 | 105 | 30.2% | 38.0% | — | $18M |
| 2025 | 401 | 163 | 29.4% | 41.3% | — | $46M |
What Municipal Employees Credit Union of Baltimore 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: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 45 investment properties.
Who gets approved at Municipal Employees Credit Union of Baltimore
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 37 | 6 | 80.7% |
| $50k – $100k | 92 | 33 | 51.4% |
| $100k – $150k | 121 | 47 | 42.7% |
| $150k – $250k | 86 | 50 | 15.3% |
| Over $250k | 50 | 24 | 27.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 70 | 34 | 26.1% |
| 35–44 | 106 | 39 | 44.3% |
| 45–54 | 78 | 35 | 42.6% |
| 55–64 | 73 | 28 | 49.1% |
| 65–74 | 40 | 13 | 48.2% |
Where Municipal Employees Credit Union of Baltimore lends
5 states and 28 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maryland | 383 | 152 | 30.3% | — | #110 |
| Pennsylvania | 6 | 2 | 0.0% | — | #749 |
| Virginia | 6 | 5 | 0.0% | — | #636 |
Frequently asked questions
Municipal Employees Credit Union of Baltimore denied 41.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 3rd percentile of small mortgage lenders.
In 2025, 32% of its applications were for home purchases, 26% for refinancing (including cash-out), and 42% for home improvement or other purposes. By loan type: 98% conventional, 2% 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.