Applications / Mortgage Analytics / Lenders / Maryland / Aberdeen Proving Ground Federal Credit Union
Edgewood, MD · Credit union · NCUA · $2.6 billion assets · 1,688 loans in 2025
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1,688
loans originated, 2025
3,004
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Aberdeen Proving Ground Federal Credit Union is a Maryland lender of small refinance and home-improvement loans whose originations rose 16% in 2025, faster than similar lenders, and are about double their 2020 level.
Originations rose 16% to 1,688, against 9% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. They have about doubled from 845 in 2020. It merged with Members First of Maryland Federal Credit Union in 2025; that lender's filings count in the market-share figures, not in these originations.
Refinances were 51.8% of its loans and home improvement 20.1%; purchases were only 14.0%. Its typical loan was $85,000, smaller than at about nine in ten similar lenders, whose typical loan was $115,000, and down from $175,000 five years before. Its typical rate, 5.88%, was lower than at about nine in ten peers (7.00%).
LMI (low- and moderate-income) borrowers took 32.2% of its loans, against 27.0% at similar lenders, a higher share than about three-quarters of them. Its shares in LMI areas (14.3%) and majority-minority areas (11.2%) were near the middle of its peers, and both are well up from 7.1% and 2.5% five years before.
In Baltimore-Columbia-Towson, a market it has served since before 1990, its share rose 0.2 points to 0.8%, ranking 33 of 592 lenders. The merged credit union's filings counting there could be part of that rise.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Aberdeen Proving Ground Federal Credit Union took 3,004 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 51.8% · Home improvement 20.1% · Other 14.2% · Purchase 14.0%
Conventional 99.3% · VA 0.4% · FHA 0.2% · USDA (RHS or FSA) 0.1% · of 1,688 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 | 1,497 | 88.7% |
| Delaware | 77 | 4.6% |
| Pennsylvania | 72 | 4.3% |
| Florida | 16 | 0.9% |
| Virginia | 10 | 0.6% |
| North Carolina | 8 | 0.5% |
| South Carolina | 5 | 0.3% |
| New Jersey | 3 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 1,118 |
| Wilmington | 400 |
| York-Hanover | 40 |
| Montgomery County-Bucks County-Chester County | 12 |
| Washington | 11 |
| Frederick-Gaithersburg-Bethesda | 8 |
| Lancaster | 8 |
| Dover | 6 |
| Myrtle Beach-Conway-North Myrtle Beach | 4 |
| Tampa | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004XJV6Y8XQYPX87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 798875 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52540 | 1990–2017 |
Established 1 January 1938. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Aberdeen Proving Ground Federal Credit Union's data.
Aberdeen Proving Ground Federal Credit Union's data
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Aberdeen Proving Ground Federal Credit Union 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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