POINT BREEZE 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 A 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%
60th7.6% deniedPricingmedian rate spread over APOR, weight 30%
93rd-0.29 ptsProcesswithdrawn + incomplete share, weight 15%
80th4.7%Closing coststotal loan costs ÷ loan amount, weight 10%
36th2.28% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 367 | 293 | 11.2% | 12.2% | 6.00% | $46M |
| 2024 | 344 | 285 | 11.6% | 12.3% | 6.00% | $64M |
| 2025 | 401 | 348 | 7.2% | 7.6% | 5.88% | $91M |
What POINT BREEZE 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: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 32 investment properties.
Why POINT BREEZE Credit Union denies applications
Primary reason reported for each of the 29 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at POINT BREEZE 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 | 76 | 65 | 6.9% |
| $100k – $150k | 88 | 77 | 4.9% |
| $150k – $250k | 126 | 118 | 3.3% |
| Over $250k | 79 | 68 | 8.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 64 | 61 | 3.1% |
| 35–44 | 111 | 98 | 5.7% |
| 45–54 | 105 | 92 | 4.1% |
| 55–64 | 73 | 63 | 8.5% |
| 65–74 | 23 | 23 | 0.0% |
Where POINT BREEZE Credit Union lends
3 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maryland | 368 | 317 | 7.3% | 5.88% | #114 |
| Pennsylvania | 25 | 24 | 4.0% | 5.74% | #577 |
| Delaware | 8 | 7 | 12.5% | 6.00% | #260 |
Frequently asked questions
POINT BREEZE Credit Union denied 7.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 60th percentile of small mortgage lenders.
The most common reason POINT BREEZE Credit Union gave in 2025 was "debt-to-income ratio", cited on 65.5% 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 POINT BREEZE Credit Union originated in 2025 was 5.88%, and its median rate spread over the average prime offer rate was -0.29 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 25% of its applications were for home purchases, 62% for refinancing (including cash-out), and 12% 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.