Applications / Mortgage Analytics / Lenders / Maryland / First Financial of Maryland Federal Credit Union
Sparks, MD · Credit union · NCUA · $1.4 billion assets · 578 loans in 2025
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578
loans originated, 2025
745
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Financial of Maryland Federal Credit Union is a Maryland credit union whose lending is almost all refinancing, 88.4% of its 578 loans in 2025, a count 3% higher than in 2024.
Refinances made up 88.4% of its loans and home purchases 11.6%, all conventional. Its typical loan, $105,000, was the same as at similar lenders (credit unions making between half and twice as many loans). Its count rose 3%, against 5% at peers and 10% for the whole market.
Its typical rate, 5.00%, was lower than the 7.00% at peers, lower than more than nine in ten of them. Its refinance-heavy mix is one possible reason.
Its denial rate on first-lien refinance applications, 12.7%, was lower than the 20.2% at peers, below about three in four of them.
In Baltimore-Columbia-Towson, its largest market, it ranked 58 of 592 lenders with 0.4%, up 0.1 points. Majority-minority areas took 17.5% of its loans, against 10.9% at peers, and LMI (low- and moderate-income) borrowers 25.6%, near the middle of peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Financial of Maryland Federal Credit Union took 745 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 88.4% · Purchase 11.6%
Conventional 100.0% · of 578 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 | 541 | 93.6% |
| Pennsylvania | 37 | 6.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 487 |
| Frederick-Gaithersburg-Bethesda | 22 |
| York-Hanover | 20 |
| Salisbury | 9 |
| Gettysburg | 8 |
| Washington | 7 |
| Harrisburg-Carlisle | 3 |
| Hagerstown-Martinsburg | 2 |
| Lexington Park | 2 |
| Philadelphia | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C5JF1UNQK9KC45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 256786 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58554 | 1991–2017 |
Established 1 January 1953. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: First Financial of Maryland Federal Credit Union's data.
First Financial of Maryland Federal Credit Union's data
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First Financial of Maryland 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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