APL Federal Credit Union
APL Federal Credit Union received 428 applications in 2025 and made 320 mortgages, in 25 counties across 7 states. The median rate its borrowers got was 7.500% on a median loan of $95,000. Of 359 decisions, 39 were denials — 10.9%, most often for other. 94 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 54930040I855W2FI0Y80 |
|---|---|
| Applications received | 428 |
| Mortgages made | 320 |
| Denied | 39 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 69 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.24 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Refinancing | 26 | 7.500% | $170,000 | 3.7% |
| Cash-out refinancing | 52 | 7.500% | $150,000 | 3.7% |
| Other purposes | 240 | 7.500% | $75,000 | 11.8% |
Where APL Federal Credit Union lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Howard County, MD | 147 | 7.500% | 2.7% |
| Carroll County, MD | 44 | 7.500% | 0.0% |
| Anne Arundel County, MD | 28 | 7.500% | 0.0% |
| Baltimore County, MD | 23 | 7.500% | 0.0% |
| Montgomery County, MD | 20 | 7.500% | 0.0% |
| Frederick County, MD | 17 | 7.500% | 0.0% |
| Prince George's County, MD | 7 | Under 10 loans | 22.2% |
| Baltimore city, MD | 5 | Under 10 loans | 0.0% |
| Queen Anne's County, MD | 3 | Under 10 loans | 0.0% |
| York County, PA | 3 | Under 10 loans | 0.0% |
| Sussex County, DE | 2 | Under 10 loans | 0.0% |
| Washington County, MD | 2 | Under 10 loans | 0.0% |
| Adams County, PA | 2 | Under 10 loans | 33.3% |
| Dorchester County, MD | 1 | Under 10 loans | 0.0% |
| Harford County, MD | 1 | Under 10 loans | 0.0% |
| Kent County, MD | 1 | Under 10 loans | 0.0% |
| St. Mary's County, MD | 1 | Under 10 loans | 0.0% |
| Talbot County, MD | 1 | Under 10 loans | 0.0% |
| Montgomery County, PA | 1 | Under 10 loans | 0.0% |
| Hanover County, VA | 1 | Under 10 loans | 0.0% |
| Berkeley County, WV | 1 | Under 10 loans | 0.0% |
| Hampshire County, WV | 1 | Under 10 loans | 0.0% |
| Morgan County, WV | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 0 | Under 10 loans | Not published |
| Chester County, PA | 0 | Under 10 loans | Not published |
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When APL Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.