Applications / Mortgage Analytics / Lenders / Maryland / Freedom of Maryland Federal Credit Union
Bel Air, MD · Credit union · NCUA · $557 million assets · 37 loans in 2025
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37
loans originated, 2025
44
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Freedom of Maryland Federal Credit Union, of Bel Air, makes larger home loans than most credit unions its size, and in 2025 it merged with Atlantic Financial Federal Credit Union.
Its typical loan was $225,000, against $87,500 at similar lenders, credit unions making between half and twice as many loans. That is larger than at most of them. So its 37 loans added up to $9.4 million, more than the peers' $5.3 million. Its typical rate was 6.50%, lower than at about seven in ten of them, where it was 6.75%.
It merged with Atlantic Financial Federal Credit Union in 2025, and Atlantic's filings count as its own in the competition tables. Its loans fell 37%, from 59, while similar credit unions held steady; fewer than one in ten fell further. But its count has swung before: 31 in 2023, then 59 in 2024. A lender making a few dozen loans a year moves a long way on a handful.
Of its loans, 27.0% went to poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 17.4% at similar credit unions, higher than at more than three-quarters of them. It has lent in Baltimore since 1990, and ranked 258 of 592 lenders there; Rocket Mortgage and United Wholesale Mortgage lead the 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Freedom of Maryland Federal Credit Union took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.4% · Refinance 35.1% · Not applicable 13.5%
Conventional 100.0% · of 37 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 | 35 | 94.6% |
| Pennsylvania | 2 | 5.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 27 |
| Wilmington | 4 |
| Lancaster | 1 |
| York-Hanover | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549000BG2198NFS0K59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 253084 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58550 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Freedom of Maryland Federal Credit Union's data.
Freedom of Maryland Federal Credit Union's data
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Freedom 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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