POINT BREEZE Credit Union in Maryland vs the state
7.3%Denial rate-11.46 pts vs state
7.7%Decision denial rate-16.39 pts vs state
86.1%Origination rate+30.43 pts vs state
5.88%Median rate-0.75 pts vs state
-0.29Rate spread (pts)-0.53 pts vs state
$158kMedian applicant income
317Loans originated
27Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 343 | 273 | 11.7% | 6.00% | #98 |
| 2024 | 317 | 261 | 11.7% | 6.00% | #111 |
| 2025 | 368 | 317 | 7.3% | 5.88% | #114 |
What POINT BREEZE Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most POINT BREEZE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 161 | 139 | 13 | 8.1% |
| Harford County | 60 | 55 | 1 | 1.7% |
| Baltimore city | 44 | 33 | 7 | 15.9% |
| Carroll County | 30 | 27 | 1 | 3.3% |
| Howard County | 18 | 15 | 0 | 0.0% |
| Worcester County | 13 | 11 | 1 | 7.7% |
| Anne Arundel County | 13 | 11 | 2 | 15.4% |
| Frederick County | 11 | 10 | 1 | 9.1% |
| Prince George's County | 8 | 8 | 0 | 0.0% |
| Montgomery County | 4 | 4 | 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: 368 applications in 2025, of which 317 were originated and 27 denied.
7.3% of all applications, or 7.7% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans POINT BREEZE Credit Union originated in Maryland in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are POINT BREEZE 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