What loan types does First Financial of Maryland Federal Credit Union offer?

First Financial of Maryland Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does First Financial of Maryland Federal Credit Union offer mortgages?

First Financial of Maryland Federal Credit Union offers mortgages in 2 states: MD, PA.

What type of lender is First Financial of Maryland Federal Credit Union?

First Financial of Maryland Federal Credit Union is a Credit Union headquartered in Sparks, MD.

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First Financial of Maryland Federal Credit Union

Q: How competitive are First Financial of Maryland Federal Credit Union's mortgage rates?

First Financial of Maryland Federal Credit Union has an overall pricing score of 88.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

Credit Union•Sparks, MDHQ•Direct•Reviews near you on Google

First Financial of Maryland Federal Credit Union has 102 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 30.80 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

First Financial of Maryland Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 30.8 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Sound	101	99.0%	-0.296%Below	$837Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume101

Mix99.0%

Spread

-0.296%Below

Fees

$837Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Sound	36	35.3%	-0.334%Below	$910Fees
Refinance	Strong	Sound	Exceptional	Strong	66	64.7%	-0.274%Below	$743Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume36

Mix35.3%

Spread

-0.334%Below

Fees

$910Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume66

Mix64.7%

Spread

-0.274%Below

Fees

$743Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

102

Applications

134

Volume

$24 million

Pricing & Closing

Avg Rate Spread

-0.308%

vs. market APOR

Avg Net Fees

$837

Origination − Credits

Pullthrough Rate

76.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$238,922

Avg Borrower Income

$136,676

Avg Property Value

$470,686

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast1

South1

Top Metro Areas by Place Specialization Score

Baltimore, MDMetro

Volume 87Mix 85.29% of portfolio

73/100

Strong

Top States by Place Specialization Score

MarylandState

Volume 98Mix 96.08% of portfolio

70/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.