Applications / Mortgage Analytics / Lenders / Maryland / Mid-Atlantic Federal Credit Union
Germantown, MD · Credit union · NCUA · $440 million assets · 84 loans in 2025
Mid-Atlantic Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
84
loans originated, 2025
200
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mid-Atlantic Federal Credit Union is a home-improvement lender that makes bigger loans than most credit unions its size, many of them in neighborhoods where minorities are the majority.
Home improvement accounted for 44.0% of its loans in 2025, refinancing for 25.0% and home purchases for only 19.0%. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.4% at similar lenders, meaning credit unions making between half and twice as many loans.
It made 84 loans, exactly the typical count among its peers. But its typical loan, $185,000, is almost twice theirs, $95,000, and larger than close to nine in ten of them. So its $23.1 million of lending is about double the peers' $11.8 million.
Almost half its loans, 48.8%, were in majority-minority neighborhoods, against 9.1% at its peers, a higher share than more than four in five of them. A year earlier the share was 58.4%.
Its 84 loans reached 9 states and 11 metros. Its largest market is Washington-Arlington-Alexandria, DC-VA-MD-WV, where it ranked 279 of 757 lenders and has lent since 1995. Rocket Mortgage leads there, with $3.23B.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mid-Atlantic Federal Credit Union took 200 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 44.0% · Refinance 25.0% · Purchase 19.0% · Other 11.9%
Conventional 100.0% · of 84 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 | 71 | 84.5% |
| District of Columbia | 2 | 2.4% |
| North Carolina | 2 | 2.4% |
| Virginia | 2 | 2.4% |
| Arizona | 1 | 1.2% |
| Delaware | 1 | 1.2% |
| Florida | 1 | 1.2% |
| New Jersey | 1 | 1.2% |
| Pennsylvania | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Frederick-Gaithersburg-Bethesda | 62 |
| Baltimore-Columbia-Towson | 5 |
| Washington | 5 |
| Arlington-Alexandria-Reston | 2 |
| Charlotte-Concord-Gastonia | 1 |
| Gettysburg | 1 |
| Hagerstown-Martinsburg | 1 |
| Newark | 1 |
| Raleigh-Cary | 1 |
| Tucson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XRGNVNCISU8Q79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 767787 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518716 | 1994–2017 |
Established 1 January 1968. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Mid-Atlantic Federal Credit Union's data.
Mid-Atlantic Federal Credit Union's data
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Mid-Atlantic 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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