Applications / Mortgage Analytics / Lenders / Maryland / First Eagle Federal Credit Union
Owings Mills, MD · Credit union · NCUA · $110 million assets · 30 loans in 2025
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30
loans originated, 2025
39
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Eagle Federal Credit Union, a small credit union based in Owings Mills, Maryland, made no home-purchase loans in 2025; its 30 loans went to members borrowing against homes they already own.
Other purposes accounted for 53.3% of its loans, home improvement for 30.0% and refinancing for 16.7%. All were conventional. Its typical loan, $70,000, was smaller than at about three in four similar lenders, credit unions making between half and twice as many loans. Small loans fit borrowing against an existing home rather than buying one.
Its loans rose 11% in 2025, from 27 to 30, while similar lenders fell 3% and the whole market rose 10%. With 30 loans, the rise is too small to read much into.
Although it is based in Maryland, its largest market is Houston, where it has lent since 1992, as it has around Baltimore. Its loans reach 10 states, with a sliver of each market. With 30 loans spread so wide, it carries little weight in any one place.
It filed no report for 2020 or 2021. Since 2020 a lender making fewer than 100 closed-end loans a year need not report, so these are gaps in the record, not years without lending. It made 33 loans in 2019, 44 in 2022 and 53 in 2023.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Eagle Federal Credit Union took 39 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 53.3% · Home improvement 30.0% · Refinance 16.7%
Conventional 100.0% · of 30 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 |
|---|---|---|
| Texas | 11 | 36.7% |
| Maryland | 8 | 26.7% |
| Pennsylvania | 3 | 10.0% |
| Illinois | 2 | 6.7% |
| Connecticut | 1 | 3.3% |
| Florida | 1 | 3.3% |
| Massachusetts | 1 | 3.3% |
| New Jersey | 1 | 3.3% |
| Tennessee | 1 | 3.3% |
| Wisconsin | 1 | 3.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 10 |
| Baltimore-Columbia-Towson | 7 |
| York-Hanover | 3 |
| Amherst Town-Northampton | 1 |
| Austin-Round Rock-San Marcos | 1 |
| Bridgeport-Stamford-Danbury | 1 |
| Elgin | 1 |
| Frederick-Gaithersburg-Bethesda | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Port St. Lucie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I7G0WB7Z0BCX80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 780085 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510958 | 1992–2016 |
Established 1 January 1956. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: First Eagle Federal Credit Union's data.
First Eagle Federal Credit Union's data
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First Eagle 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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