First Financial of Maryland Federal Credit Union mortgage approval rate & lending review
First Financial of Maryland Federal Credit Union decided 1,179 mortgage applications and funded 1,023 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Financial of Maryland Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Financial of Maryland Federal Credit Union at a glance
Approval is 17.8 points above the 70.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 107 / 108 | 98% | $365K | 105 |
| Cash-out refinance | 87% | 897 / 1,032 | 99% | $85K | 884 |
First Financial of Maryland Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 88% | $85K | 1,058 | 915 |
| Pennsylvania | 92% | $65K | 121 | 108 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Financial of Maryland Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Carroll County, MD | Cash-out refinance | 91% | 367 | 331 |
| Harford County, MD | Cash-out refinance | 92% | 120 | 110 |
| Baltimore County, MD | Cash-out refinance | 76% | 129 | 95 |
| Baltimore city, MD | Cash-out refinance | 76% | 129 | 95 |
| York County, PA | Cash-out refinance | 93% | 70 | 65 |
| Howard County, MD | Cash-out refinance | 91% | 56 | 50 |
| Anne Arundel County, MD | Cash-out refinance | 98% | 48 | 46 |
| Frederick County, MD | Cash-out refinance | 76% | 42 | 31 |
| Carroll County, MD | Mortgage lenders | 96% | 24 | 23 |
The county markets where First Financial of Maryland Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about First Financial of Maryland Federal Credit Union
What is First Financial of Maryland Federal Credit Union's mortgage approval rate?
First Financial of Maryland Federal Credit Union approved 88.1% of the 1,179 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.8 points above the 70.3% national rate for the same mix of loan types.
How often do borrowers take the loan First Financial of Maryland Federal Credit Union offers?
Borrowers accepted 98% of the loans First Financial of Maryland Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Financial of Maryland Federal Credit Union make?
The typical cash-out refinance loan First Financial of Maryland Federal Credit Union made was $85K; across all loan types its typical loan ran from $85K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Financial of Maryland Federal Credit Union lend?
First Financial of Maryland Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Maryland and Pennsylvania.
Can I apply to First Financial of Maryland Federal Credit Union directly?
Yes. First Financial of Maryland Federal Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Financial of Maryland Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Financial of Maryland Federal Credit Union treats applications, then get a rate quote from the lender.