STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED received 6,290 applications in 2025 and made
2,813 mortgages, in 131 counties across 25 states.
The median rate its borrowers got was 6.125% on a median loan of $125,000.
Of 5,640 decisions, 2,749 were denials — 48.7%, most often for debt-to-income ratio.
Legal Entity Identifier
549300AY1W8F91VLTB05
Applications received
6,290
Mortgages made
2,813
Denied
2,749
Approved, not taken up
78
Withdrawn or incomplete
650
Loans bought from other lenders
0
Median rate spread over the prime offer rate
-0.099 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
618
6.125%
$385,000
8.1%
Refinancing
138
6.000%
$670,000
43.2%
Cash-out refinancing
659
7.500%
$135,000
30.4%
Other purposes
1,398
4.990%
$85,000
61.2%
Where STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED’s figures are published for the next year, or restated.
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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.