Applications / Mortgage Analytics / Lenders / Maryland / State Employees Credit Union of Maryland
Linthicum, MD · Credit union · NCUA · $5.8 billion assets · 2,813 loans in 2025
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2,813
loans originated, 2025
6,290
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
State Employees Credit Union of Maryland is a Maryland credit union whose lending leans to other-purpose loans and refinancing, with more than a third of its loans in majority-minority areas.
Similar lenders are credit unions making between half and twice as many loans. Other purposes made up 45.8% of its loans, refinancing 28.3% and purchases 22.0%. It lent $657.0 million against $437.2 million for the typical similar lender, and jumbo loans (larger than the conforming limit) were 6.5% against 1.3%, down from 17.3% five years before.
35.9% of its loans were in majority-minority areas against 10.1%, higher than about six in seven similar lenders, and up from 25.5% five years before. Baltimore-Columbia-Towson and Washington-Arlington-Alexandria are among its largest markets, which could explain much of that. Its share to LMI (low- and moderate-income) borrowers, 27.2%, was near the middle.
Its typical rate was 6.12% against 6.99%, lower than about nine in ten similar lenders, and higher-priced loans (a rate well above the average for similar loans) were 0.3% against 1.7%. It turned down 12.4% of first-lien refinance applications against 18.6%, and 5.7% of purchase applications against 6.2%.
Originations rose 8% to 2,813, near similar lenders' 9% and the market's 10%. It held 1.4% in Baltimore-Columbia-Towson, rank 16 of 592. In Salisbury, a $577.4M market where it ranks 8 of 205, its share fell to 3.1% from 3.6%; there, a few loans could move the share.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. State Employees Credit Union of Maryland took 6,290 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 45.8% · Refinance 28.3% · Purchase 22.0% · Home improvement 3.9%
Conventional 97.7% · FHA 2.1% · VA 0.2% · of 2,813 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maryland | 2,466 | 87.7% |
| Virginia | 168 | 6.0% |
| Pennsylvania | 68 | 2.4% |
| District of Columbia | 44 | 1.6% |
| Delaware | 37 | 1.3% |
| West Virginia | 30 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 1,544 |
| Frederick-Gaithersburg-Bethesda | 352 |
| Washington | 215 |
| Salisbury | 151 |
| Arlington-Alexandria-Reston | 127 |
| Hagerstown-Martinsburg | 88 |
| York-Hanover | 20 |
| Lexington Park | 19 |
| Richmond | 18 |
| Wilmington | 14 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AY1W8F91VLTB05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 218597 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566330 | 1990–2017 |
Established 1 January 1951. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: State Employees Credit Union of Maryland's data.
State Employees Credit Union of Maryland's data
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State Employees Credit Union of Maryland and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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