State Employees Credit Union of Maryland, Incorporated mortgage approval rate & lending review
State Employees Credit Union of Maryland, Incorporated decided 5,567 mortgage applications and funded 3,236 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions State Employees Credit Union of Maryland, Incorporated reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
State Employees Credit Union of Maryland, Incorporated at a glance
Approval is 13.2 points below the 72.8% 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 | 92% | 1,280 / 1,388 | 100% | $415K | 1,275 |
| Home improvement loans | 23% | 293 / 1,286 | 91% | $65K | 267 |
| Cash-out refinance | 71% | 1,210 / 1,695 | 97% | $125K | 1,176 |
| Refinance | 44% | 257 / 587 | 96% | $675K | 247 |
| Investment property purchase | 87% | 138 / 159 | 99% | $195K | 137 |
| Investment cash-out refinance | 58% | 99 / 171 | 97% | $135K | 96 |
| Investment refinance | 27% | 16 / 59 | 100% | $175K | 16 |
| Investment home improvement | 10% | 22 / 222 | 100% | $65K | 22 |
State Employees Credit Union of Maryland, Incorporated lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 58% | $135K | 4,884 | 2,747 |
| Virginia | 78% | $1.03M | 289 | 223 |
| Pennsylvania | 70% | $275K | 157 | 107 |
| District of Columbia | 68% | $1.05M | 107 | 71 |
| Delaware | 70% | $295K | 89 | 61 |
| West Virginia | 82% | $245K | 34 | 27 |
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 State Employees Credit Union of Maryland, Incorporated lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Anne Arundel County, MD | Cash-out refinance | 78% | 311 | 240 |
| Montgomery County, MD | Mortgage lenders | 94% | 163 | 152 |
| Anne Arundel County, MD | Mortgage lenders | 95% | 154 | 146 |
| Baltimore County, MD | Mortgage lenders | 86% | 153 | 131 |
| Baltimore city, MD | Mortgage lenders | 86% | 153 | 131 |
| Baltimore County, MD | Cash-out refinance | 69% | 194 | 128 |
| Montgomery County, MD | Cash-out refinance | 66% | 201 | 128 |
| Baltimore city, MD | Cash-out refinance | 69% | 194 | 128 |
| Howard County, MD | Mortgage lenders | 93% | 123 | 114 |
| Howard County, MD | Cash-out refinance | 74% | 155 | 111 |
| Prince George's County, MD | Cash-out refinance | 56% | 150 | 79 |
| Wicomico County, MD | Cash-out refinance | 86% | 91 | 74 |
The county markets where State Employees Credit Union of Maryland, Incorporated made the most loans. Each link opens that market with every lender ranked.
Questions about State Employees Credit Union of Maryland, Incorporated
What is State Employees Credit Union of Maryland, Incorporated's mortgage approval rate?
State Employees Credit Union of Maryland, Incorporated approved 59.5% of the 5,567 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.2 points below the 72.8% national rate for the same mix of loan types.
How often do borrowers take the loan State Employees Credit Union of Maryland, Incorporated offers?
Borrowers accepted 98% of the loans State Employees Credit Union of Maryland, Incorporated 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 State Employees Credit Union of Maryland, Incorporated make?
The typical cash-out refinance loan State Employees Credit Union of Maryland, Incorporated made was $125K; across all loan types its typical loan ran from $65K to $675K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does State Employees Credit Union of Maryland, Incorporated lend?
State Employees Credit Union of Maryland, Incorporated decided applications in 13 of the states Fat Boy Data covers, most of them in Maryland, Virginia and Pennsylvania.
Can I apply to State Employees Credit Union of Maryland, Incorporated directly?
Yes. State Employees Credit Union of Maryland, Incorporated reports as a direct lender that takes applications from borrowers.
Does this page show State Employees Credit Union of Maryland, 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 State Employees Credit Union of Maryland, Incorporated treats applications, then get a rate quote from the lender.