Applications / Mortgage Analytics / Lenders / Maryland / Municipal Employees Credit Union of Baltimore
Baltimore, MD · Credit union · NCUA · $1.3 billion assets · 163 loans in 2025
Municipal Employees Credit Union of Baltimore's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
163
loans originated, 2025
401
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Municipal Employees Credit Union of Baltimore lends far more in poorer and majority-minority neighborhoods than similar lenders do, and its loans rose 55% in 2025.
Its loans rose 55% to 163, while similar lenders (credit unions making between half and twice as many loans) typically grew 8%; it grew faster than nearly nine in ten of them. The value of its loans rose to $45.6 million from $18.3 million, because its typical loan more than doubled, to $235,000 from $105,000.
Poorer neighborhoods (low- and moderate-income, or LMI, areas) took 31.1% of its lending, against 17.1% at its peers, higher than at about nine in ten of them. Neighborhoods where most residents belong to minorities took 43.6%, against 10.6%. Both shares were lower than in 2024, when they were 42.3% and 61.0%, which may reflect where its larger loans of 2025 were made.
Purchases were 45.4% of its loans, refinances 31.3%, home improvement 12.3% and other purposes 11.0%. Nearly all, 98.8%, were conventional. LMI borrowers took 25.6%, near the middle of similar lenders and down from 40.4% in 2024, a shift that matches its larger typical loan.
In Baltimore-Columbia-Towson, MD, where it has lent since at least 1990, it ranks 100 of 592 lenders with 0.2% of lending, up 0.1 points. Rocket Mortgage leads that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Municipal Employees Credit Union of Baltimore took 401 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.4% · Refinance 31.3% · Home improvement 12.3% · Other 11.0%
Conventional 98.8% · FHA 1.2% · of 163 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 | 152 | 93.3% |
| Virginia | 5 | 3.1% |
| Delaware | 4 | 2.5% |
| Pennsylvania | 2 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 145 |
| Arlington-Alexandria-Reston | 3 |
| Frederick-Gaithersburg-Bethesda | 2 |
| Wilmington | 2 |
| York-Hanover | 2 |
| Dover | 1 |
| Hagerstown-Martinsburg | 1 |
| Harrisonburg | 1 |
| Roanoke | 1 |
| Salisbury | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300X7J20OLLSGTZ36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 572794 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566787 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Municipal Employees Credit Union of Baltimore's data.
Municipal Employees Credit Union of Baltimore's data
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Municipal Employees Credit Union of Baltimore 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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