Applications / Mortgage Analytics / Lenders / Maryland / SkyPoint Federal Credit Union
Germantown, MD · Credit union · NCUA · $249 million assets · 30 loans in 2025
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30
loans originated, 2025
65
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SkyPoint Federal Credit Union is a small Maryland credit union whose mortgage lending in 2025 was home-improvement, refinance and other small loans, with no home purchases at all.
Home improvement made up 40.0% of its loans, other purposes 36.7% and refinances 23.3%. Its typical loan was $55,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at more than nine in ten of them. Every loan was conventional.
It made 30 loans, down 43% from 53 in 2024, while the count at similar lenders fell 2%. That is still more than the 14 it made in 2020. With so few loans, its shares by borrower income and neighborhood are too small to read much into.
It has reported loans since 1993, mostly in Maryland, across 13 counties in three states. In the Washington metro area, its largest market, it ranked 557 of 757 lenders. Rocket Mortgage and United Wholesale Mortgage lead 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SkyPoint Federal Credit Union took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 40.0% · Other 36.7% · Refinance 23.3%
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 |
|---|---|---|
| Maryland | 25 | 83.3% |
| Pennsylvania | 2 | 6.7% |
| West Virginia | 2 | 6.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Frederick-Gaithersburg-Bethesda | 15 |
| Baltimore-Columbia-Towson | 4 |
| Washington | 3 |
| Hagerstown-Martinsburg | 2 |
| Arlington-Alexandria-Reston | 1 |
| Gettysburg | 1 |
| Lexington Park | 1 |
| York-Hanover | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300029HOKG1DFPD77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 240486 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518917 | 1993–2017 |
Established 1 January 1968. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: SkyPoint Federal Credit Union's data.
SkyPoint Federal Credit Union's data
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SkyPoint 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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