Mostly refinancing
Refinances made up 65.8% of its loans and purchases 25.0%. Every loan was conventional, and none was for a manufactured home.
Applications / Mortgage Analytics / Lenders / Maryland / POINT Breeze Credit Union
POINT Breeze Credit Union
Hunt Valley, MD · Credit union · NCUA · $968 million assets · 348 loans in 2025
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348
loans originated, 2025
401
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
POINT Breeze Credit Union, a Maryland refinance lender, lent far more money in 2025 as its loans got bigger.
Bigger loans, more money
It made 348 loans, up 22% from 285. Similar lenders, credit unions making between half and twice as many loans, grew 7%. Its dollar volume rose faster still, to $90.9 million from $64.0 million, because its typical loan grew to $155,000 from $105,000. That is larger than about three in four of its peers.
Lower rates than most
Its typical rate was 5.88%, against 6.99% at similar lenders, lower than about nine in ten of them. Just 0.3% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9% at its peers.
A Baltimore base
It ranked 59 of 592 lenders in Baltimore-Columbia-Towson, where its share rose to 0.4% from 0.3%. It has lent there since at least 1990. Majority-minority neighborhoods took 20.4% of its loans, against 12.1% at similar lenders, more than about two-thirds of them.
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
348 loans in 2025, against a peak of 437 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. POINT Breeze Credit Union took 401 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
65.8% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 65.8% · Purchase 25.0% · Home improvement 9.2%
Conventional 100.0% · of 348 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
3 states, 7 metros, 18 counties
| State | Loans | Share |
|---|---|---|
| Maryland | 317 | 91.1% |
| Pennsylvania | 24 | 6.9% |
| Delaware | 7 | 2.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 281 |
| York-Hanover | 21 |
| Frederick-Gaithersburg-Bethesda | 14 |
| Washington | 8 |
| Montgomery County-Bucks County-Chester County | 2 |
| Wilmington | 2 |
| Gettysburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000UZ37PYF2QMT96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 225090 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566585 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: POINT Breeze Credit Union's data.
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