National Institutes of Health Federal Credit Union in Maryland vs the state
13.0%Denial rate-5.76 pts vs state
17.3%Decision denial rate-6.86 pts vs state
62.5%Origination rate+6.79 pts vs state
6.13%Median rate-0.50 pts vs state
0.14Rate spread (pts)-0.11 pts vs state
$157kMedian applicant income
115Loans originated
24Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 210 | 142 | 11.9% | 6.75% | #134 |
| 2024 | 239 | 149 | 11.3% | 6.63% | #130 |
| 2025 | 184 | 115 | 13.0% | 6.13% | #170 |
What National Institutes of Health Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most National Institutes of Health Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 101 | 61 | 9 | 8.9% |
| Prince George's County | 26 | 18 | 3 | 11.5% |
| Frederick County | 24 | 19 | 3 | 12.5% |
| Howard County | 10 | 8 | 1 | 10.0% |
| Baltimore city | 7 | 3 | 3 | 42.9% |
| Anne Arundel County | 6 | 3 | 1 | 16.7% |
| Harford County | 2 | 1 | 0 | 0.0% |
| Garrett County | 1 | 0 | 0 | 0.0% |
| Carroll County | 1 | 1 | 0 | 0.0% |
| Worcester County | 1 | 0 | 1 | 100.0% |
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: 184 applications in 2025, of which 115 were originated and 24 denied.
13.0% of all applications, or 17.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans National Institutes of Health Federal Credit Union originated in Maryland in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are National Institutes of Health 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