Lender in Maryland · HMDA 2025
State Employees Credit Union of Maryland, Incorporated mortgages in Maryland
State Employees Credit Union of Maryland, Incorporated's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
State Employees Credit Union of Maryland, Incorporated originated 589 owner-occupied single-family loans in Maryland from 656 completed applications.
Its median conventional purchase loan costs were $4,770 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.625% (Maryland: 6.625%).
Loans in MD
589
of 656 applications
Denial rate
7.2%
Purchase · MD 8.6%
Rate spread
−0.14 pts
Conv. · MD +0.14 pts
Loan amount
$385,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 460 | 426 | 7.2% | 6.625% | −0.14 pts | $4,770 | $385,000 |
| Refinance | 77 | 67 | 9.1% | — | −0.21 pts | $3,980 | $495,000 |
| Cash-out refinance | 119 | 96 | 17.6% | — | −0.06 pts | $3,930 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where State Employees Credit Union of Maryland, Incorporated ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Somerset County | 10 | 6 | 2.7% |
| Howard County | 14 | 67 | 1.6% |
| Wicomico County | 14 | 25 | 2.0% |
| Allegany County | 17 | 8 | 1.1% |
| Baltimore County | 19 | 116 | 1.2% |
| Dorchester County | 19 | 7 | 1.4% |
| Baltimore city | 21 | 68 | 1.1% |
| Queen Anne's County | 23 | 9 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology