Municipal Employees Credit Union of Baltimore, Incorporated mortgage approval rate & lending review
Municipal Employees Credit Union of Baltimore, Incorporated decided 494 mortgage applications and funded 336 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Municipal Employees Credit Union of Baltimore, Incorporated reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Municipal Employees Credit Union of Baltimore, Incorporated at a glance
Approval is 4.5 points below the 74.6% 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 | 89% | 149 / 168 | 100% | $245K | 149 |
| Home improvement loans | 48% | 71 / 148 | 94% | $35K | 67 |
| Cash-out refinance | 70% | 47 / 67 | 96% | $135K | 45 |
| Refinance | 73% | 27 / 37 | 100% | $45K | 27 |
| Investment cash-out refinance | 84% | 32 / 38 | 88% | $135K | 28 |
Municipal Employees Credit Union of Baltimore, Incorporated lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 70% | $135K | 482 | 326 |
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 Municipal Employees Credit Union of Baltimore, Incorporated lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Baltimore County, MD | Mortgage lenders | 88% | 69 | 61 |
| Baltimore city, MD | Mortgage lenders | 88% | 69 | 61 |
| Baltimore County, MD | Home improvement loans | 42% | 59 | 23 |
| Baltimore city, MD | Home improvement loans | 42% | 59 | 23 |
| Baltimore County, MD | Cash-out refinance | 71% | 28 | 19 |
| Baltimore city, MD | Cash-out refinance | 71% | 28 | 19 |
The county markets where Municipal Employees Credit Union of Baltimore, Incorporated made the most loans. Each link opens that market with every lender ranked.
Questions about Municipal Employees Credit Union of Baltimore, Incorporated
What is Municipal Employees Credit Union of Baltimore, Incorporated's mortgage approval rate?
Municipal Employees Credit Union of Baltimore, Incorporated approved 70.0% of the 494 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.5 points below the 74.6% national rate for the same mix of loan types.
How often do borrowers take the loan Municipal Employees Credit Union of Baltimore, Incorporated offers?
Borrowers accepted 97% of the loans Municipal Employees Credit Union of Baltimore, Incorporated approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Municipal Employees Credit Union of Baltimore, Incorporated make?
The typical home purchase mortgage loan Municipal Employees Credit Union of Baltimore, Incorporated made was $245K; across all loan types its typical loan ran from $35K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Municipal Employees Credit Union of Baltimore, Incorporated lend?
Municipal Employees Credit Union of Baltimore, Incorporated decided applications in 5 of the states Fat Boy Data covers, most of them in Maryland, Pennsylvania and Virginia.
Can I apply to Municipal Employees Credit Union of Baltimore, Incorporated directly?
Yes. Municipal Employees Credit Union of Baltimore, Incorporated reports as a direct lender that takes applications from borrowers.
Does this page show Municipal Employees Credit Union of Baltimore, Incorporated'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 Municipal Employees Credit Union of Baltimore, Incorporated treats applications, then get a rate quote from the lender.