Usalliance Federal Credit Union in Maryland vs the state
24.3%Denial rate+5.52 pts vs state
28.1%Decision denial rate+4.00 pts vs state
60.8%Origination rate+5.10 pts vs state
8.00%Median rate+1.38 pts vs state
1.04Rate spread (pts)+0.79 pts vs state
$200kMedian applicant income
45Loans originated
18Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 29 | 10.9% | 9.00% | #303 |
| 2024 | 50 | 30 | 16.0% | 9.13% | #305 |
| 2025 | 74 | 45 | 24.3% | 8.00% | #269 |
What Usalliance Federal Credit Union lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 15 | 6 | 4 | 26.7% |
| Anne Arundel County | 12 | 7 | 5 | 41.7% |
| Montgomery County | 10 | 8 | 1 | 10.0% |
| Baltimore County | 9 | 5 | 2 | 22.2% |
| Howard County | 7 | 6 | 1 | 14.3% |
| Frederick County | 6 | 4 | 1 | 16.7% |
| Harford County | 3 | 2 | 1 | 33.3% |
| Dorchester County | 2 | 0 | 2 | 100.0% |
| Calvert County | 2 | 2 | 0 | 0.0% |
| Washington County | 2 | 2 | 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: 74 applications in 2025, of which 45 were originated and 18 denied.
24.3% of all applications, or 28.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Usalliance Federal Credit Union originated in Maryland in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Usalliance 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