POINT BREEZE Credit Union
POINT BREEZE Credit Union received 401 applications in 2025 and made 348 mortgages, in 20 counties across 3 states. The median rate its borrowers got was 5.875% on a median loan of $155,000. Of 382 decisions, 29 were denials — 7.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000UZ37PYF2QMT96 |
|---|---|
| Applications received | 401 |
| Mortgages made | 348 |
| Denied | 29 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 19 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.289 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 | 87 | 5.875% | $385,000 | 6.4% |
| Refinancing | 80 | 5.500% | $275,000 | 2.4% |
| Cash-out refinancing | 149 | 6.000% | $85,000 | 7.4% |
| Other purposes | 32 | 6.000% | $75,000 | 20.9% |
Where POINT BREEZE Credit Union lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Baltimore County, MD | 139 | 6.000% | 8.5% |
| Harford County, MD | 55 | 6.000% | 1.7% |
| Baltimore city, MD | 33 | 6.000% | 17.5% |
| Carroll County, MD | 27 | 6.000% | 3.6% |
| York County, PA | 21 | 5.740% | 4.6% |
| Howard County, MD | 15 | 5.500% | 0.0% |
| Anne Arundel County, MD | 11 | 6.000% | 15.4% |
| Worcester County, MD | 11 | 5.500% | 8.3% |
| Frederick County, MD | 10 | 5.375% | 9.1% |
| Prince George's County, MD | 8 | Under 10 loans | 0.0% |
| Sussex County, DE | 6 | Under 10 loans | 14.3% |
| Montgomery County, MD | 4 | Under 10 loans | 0.0% |
| Garrett County, MD | 2 | Under 10 loans | 0.0% |
| Chester County, PA | 2 | Under 10 loans | 0.0% |
| New Castle County, DE | 1 | Under 10 loans | 0.0% |
| Cecil County, MD | 1 | Under 10 loans | 0.0% |
| Queen Anne's County, MD | 1 | Under 10 loans | 0.0% |
| Adams County, PA | 1 | Under 10 loans | 0.0% |
| Caroline County, MD | 0 | Under 10 loans | 0.0% |
| Wicomico County, MD | 0 | Under 10 loans | 100.0% |
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When POINT BREEZE 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.