Service Federal Credit Union in Maryland vs the state
32.7%Denial rate+13.85 pts vs state
45.7%Decision denial rate+21.58 pts vs state
36.7%Origination rate-18.98 pts vs state
6.06%Median rate-0.57 pts vs state
-0.58Rate spread (pts)-0.83 pts vs state
$208kMedian applicant income
18Loans originated
16Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 11 | 51.9% | 5.75% | #361 |
| 2024 | 25 | 11 | 36.0% | 6.75% | #380 |
| 2025 | 49 | 18 | 32.7% | 6.06% | #320 |
What Service Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Frederick County | 11 | 2 | 2 | 18.2% |
| Prince George's County | 9 | 2 | 6 | 66.7% |
| Howard County | 9 | 6 | 1 | 11.1% |
| Anne Arundel County | 6 | 1 | 2 | 33.3% |
| Montgomery County | 4 | 2 | 2 | 50.0% |
| Charles County | 2 | 1 | 0 | 0.0% |
| Baltimore County | 1 | 0 | 1 | 100.0% |
| Baltimore city | 1 | 0 | 0 | 0.0% |
| Kent County | 1 | 1 | 0 | 0.0% |
| Calvert County | 1 | 1 | 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: 49 applications in 2025, of which 18 were originated and 16 denied.
32.7% of all applications, or 45.7% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Service Federal Credit Union originated in Maryland in 2025 was 6.06%, against a statewide median of 6.63%.
About this data. Figures are Service 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