Lender in Maryland · HMDA 2025
Navy Federal Credit Union mortgages in Maryland
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Navy Federal Credit Union originated 1,659 owner-occupied single-family loans in Maryland from 2,090 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $4,130 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.50% (Maryland: 6.625%).
Loans in MD
1,659
of 2,090 applications
Denial rate
10.9%
Purchase · MD 8.6%
Rate spread
−0.07 pts
Conv. · MD +0.14 pts
Loan amount
$435,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,496 | 1,319 | 10.9% | 6.500% | −0.07 pts | $4,130 | $435,000 |
| Refinance | 236 | 145 | 36.0% | 6.125% | −0.34 pts | $2,500 | $415,000 |
| Cash-out refinance | 358 | 195 | 44.4% | 6.875% | +0.09 pts | $2,240 | $375,000 |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where Navy Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| St. Mary's County | 3 | 104 | 5.8% |
| Anne Arundel County | 6 | 300 | 3.4% |
| Prince George's County | 6 | 284 | 2.6% |
| Charles County | 7 | 131 | 3.6% |
| Frederick County | 7 | 108 | 2.4% |
| Howard County | 8 | 86 | 2.1% |
| Calvert County | 9 | 45 | 2.8% |
| Queen Anne's County | 10 | 23 | 2.3% |
| Montgomery County | 12 | 187 | 1.8% |
| Talbot County | 12 | 7 | 1.5% |
| Carroll County | 14 | 39 | 1.6% |
| Allegany County | 14 | 9 | 1.3% |
| Baltimore city | 15 | 97 | 1.6% |
| Washington County | 15 | 32 | 1.6% |
| Caroline County | 16 | 6 | 1.3% |
| Dorchester County | 18 | 7 | 1.4% |
| Harford County | 19 | 49 | 1.3% |
| Cecil County | 21 | 16 | 1.2% |
| Baltimore County | 23 | 106 | 1.1% |
| Garrett County | 23 | 2 | 0.8% |
| Worcester County | 24 | 9 | 1.1% |
| Kent County | 25 | 2 | 0.8% |
- Navy Federal Credit Union nationwide
- Maryland mortgage market
- Navy Federal Credit Union in Florida
- Navy Federal Credit Union in Virginia
- Navy Federal Credit Union in Texas
- Navy Federal Credit Union in North Carolina
- Navy Federal Credit Union in Georgia
- Navy Federal Credit Union in California
- Navy Federal Credit Union in South Carolina
- Navy Federal Credit Union in Pennsylvania
- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
- Navy Federal Credit Union in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology