Mid-Atlantic Federal Credit Union
Mid-Atlantic Federal Credit Union received 200 applications in 2025 and made 84 mortgages, in 30 counties across 14 states. The median rate its borrowers got was 7.500% on a median loan of $185,000. Of 145 decisions, 61 were denials — 42.1%, most often for other. 21 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300XRGNVNCISU8Q79 |
|---|---|
| Applications received | 200 |
| Mortgages made | 84 |
| Denied | 61 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 55 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2 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 | 16 | 6.313% | $420,000 | 15.8% |
| Refinancing | 14 | 5.938% | $245,000 | 26.3% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Other purposes | 47 | 7.750% | $125,000 | 52.5% |
Where Mid-Atlantic Federal Credit Union lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, MD | 54 | 7.500% | 34.2% |
| Frederick County, MD | 8 | Under 10 loans | 38.5% |
| District of Columbia, DC | 2 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 2 | Under 10 loans | 50.0% |
| Howard County, MD | 2 | Under 10 loans | 33.3% |
| Prince George's County, MD | 2 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Carroll County, MD | 1 | Under 10 loans | 0.0% |
| Charles County, MD | 1 | Under 10 loans | 0.0% |
| Washington County, MD | 1 | Under 10 loans | 50.0% |
| Essex County, NJ | 1 | Under 10 loans | 0.0% |
| Cabarrus County, NC | 1 | Under 10 loans | 0.0% |
| Johnston County, NC | 1 | Under 10 loans | 0.0% |
| Adams County, PA | 1 | Under 10 loans | 0.0% |
| Fairfax County, VA | 1 | Under 10 loans | 0.0% |
| Loudoun County, VA | 1 | Under 10 loans | 0.0% |
| Jefferson County, CO | 0 | Under 10 loans | 100.0% |
| Collier County, FL | 0 | Under 10 loans | 100.0% |
| St. Lucie County, FL | 0 | Under 10 loans | 100.0% |
| Sarasota County, FL | 0 | Under 10 loans | 100.0% |
| Baltimore County, MD | 0 | Under 10 loans | Not published |
| St. Louis city, MO | 0 | Under 10 loans | 100.0% |
| Allegheny County, PA | 0 | Under 10 loans | Not published |
| Montgomery County, TN | 0 | Under 10 loans | 100.0% |
| Brazoria County, TX | 0 | Under 10 loans | 100.0% |
| Arlington County, VA | 0 | Under 10 loans | Not published |
| Frederick County, VA | 0 | Under 10 loans | Not published |
| Prince William County, VA | 0 | Under 10 loans | 100.0% |
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When Mid-Atlantic 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.