FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION
FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION received 745 applications in 2025 and made 578 mortgages, in 30 counties across 2 states. The median rate its borrowers got was 5.000% on a median loan of $105,000. Of 691 decisions, 90 were denials — 13.0%, most often for credit history. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300C5JF1UNQK9KC45 |
|---|---|
| Applications received | 745 |
| Mortgages made | 578 |
| Denied | 90 |
| Approved, not taken up | 23 |
| Withdrawn or incomplete | 54 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.22 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 67 | 6.125% | $345,000 | 0.0% |
| Refinancing | 17 | 5.625% | $345,000 | 14.3% |
| Cash-out refinancing | 494 | 2.490% | $105,000 | 14.5% |
Where FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Baltimore County, MD | 259 | 5.000% | 16.1% |
| Carroll County, MD | 116 | 2.490% | 9.9% |
| Harford County, MD | 39 | 5.750% | 7.0% |
| Baltimore city, MD | 34 | 2.490% | 17.8% |
| Anne Arundel County, MD | 20 | 5.500% | 4.8% |
| York County, PA | 20 | 5.625% | 4.6% |
| Howard County, MD | 19 | 5.000% | 5.0% |
| Frederick County, MD | 17 | 6.125% | 19.1% |
| Adams County, PA | 8 | Under 10 loans | 18.2% |
| Worcester County, MD | 7 | Under 10 loans | 30.0% |
| Prince George's County, MD | 6 | Under 10 loans | 0.0% |
| Wicomico County, MD | 6 | Under 10 loans | 0.0% |
| Montgomery County, MD | 5 | Under 10 loans | 14.3% |
| Somerset County, MD | 3 | Under 10 loans | 0.0% |
| Calvert County, MD | 2 | Under 10 loans | 0.0% |
| Washington County, MD | 2 | Under 10 loans | 33.3% |
| Clarion County, PA | 2 | Under 10 loans | 0.0% |
| Cumberland County, PA | 2 | Under 10 loans | 0.0% |
| Delaware County, PA | 2 | Under 10 loans | 0.0% |
| Caroline County, MD | 1 | Under 10 loans | 0.0% |
| Charles County, MD | 1 | Under 10 loans | 0.0% |
| Dorchester County, MD | 1 | Under 10 loans | 0.0% |
| Garrett County, MD | 1 | Under 10 loans | 0.0% |
| Kent County, MD | 1 | Under 10 loans | 0.0% |
| Talbot County, MD | 1 | Under 10 loans | 0.0% |
| Chester County, PA | 1 | Under 10 loans | 0.0% |
| Dauphin County, PA | 1 | Under 10 loans | 0.0% |
| Lackawanna County, PA | 1 | Under 10 loans | 0.0% |
| Allegany County, MD | 0 | Under 10 loans | 0.0% |
| Bucks County, PA | 0 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.