Municipal Employees Credit Union of Baltimore in Maryland vs the state
30.3%Denial rate+11.49 pts vs state
42.5%Decision denial rate+18.36 pts vs state
39.7%Origination rate-16.02 pts vs state
—Median rate
—Rate spread (pts)
$120kMedian applicant income
152Loans originated
116Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 206 | 85 | 21.4% | — | #137 |
| 2024 | 209 | 102 | 30.6% | — | #149 |
| 2025 | 383 | 152 | 30.3% | — | #110 |
What Municipal Employees Credit Union of Baltimore lends in Maryland
By loan purpose
By loan type
Where in Maryland
Counties with the most Municipal Employees Credit Union of Baltimore applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore city | 160 | 62 | 51 | 31.9% |
| Baltimore County | 117 | 46 | 43 | 36.8% |
| Anne Arundel County | 25 | 11 | 7 | 28.0% |
| Howard County | 20 | 13 | 2 | 10.0% |
| Harford County | 18 | 8 | 5 | 27.8% |
| Frederick County | 9 | 2 | 1 | 11.1% |
| Prince George's County | 7 | 1 | 2 | 28.6% |
| Carroll County | 6 | 3 | 1 | 16.7% |
| Montgomery County | 5 | 0 | 0 | 0.0% |
| Queen Anne's County | 5 | 2 | 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: 383 applications in 2025, of which 152 were originated and 116 denied.
30.3% of all applications, or 42.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Municipal Employees Credit Union of Baltimore'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