United Nations Federal Credit Union in Maryland vs the state
8.8%Denial rate-10.03 pts vs state
11.9%Decision denial rate-12.23 pts vs state
64.9%Origination rate+9.20 pts vs state
5.75%Median rate-0.88 pts vs state
-0.21Rate spread (pts)-0.45 pts vs state
$224kMedian applicant income
111Loans originated
15Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 232 | 177 | 6.0% | 5.63% | #127 |
| 2024 | 189 | 120 | 7.4% | 6.13% | #157 |
| 2025 | 171 | 111 | 8.8% | 5.75% | #178 |
What United Nations Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most United Nations Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 73 | 46 | 5 | 6.8% |
| Frederick County | 31 | 18 | 3 | 9.7% |
| Howard County | 18 | 12 | 1 | 5.6% |
| Baltimore County | 15 | 12 | 0 | 0.0% |
| Anne Arundel County | 10 | 6 | 1 | 10.0% |
| Prince George's County | 8 | 4 | 3 | 37.5% |
| Baltimore city | 3 | 3 | 0 | 0.0% |
| Calvert County | 3 | 2 | 1 | 33.3% |
| Harford County | 3 | 3 | 0 | 0.0% |
| Charles County | 2 | 1 | 1 | 50.0% |
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: 171 applications in 2025, of which 111 were originated and 15 denied.
8.8% of all applications, or 11.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans United Nations Federal Credit Union originated in Maryland in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are United Nations 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