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STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED
Credit Union|Linthicum, MD|Multi-Region
Loans Originated
767
Applications
1,171
Volume
$383 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards💎Jumbo Champion⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.364%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,188
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
65.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 36.40 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and FHA and Jumbo loans
Report Card
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 8 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$500,359
Average Borrower Income
$206,089
Average Property Value
$667,073
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 594 | 77.4% | -0.355% | $1,262 |
FHA Loans | Strong | Strong | Strong | Sound | 60 | 7.8% | +0.442% | $1,982 |
Jumbo Loans | Exceptional | Exceptional | Exceptional | Strong | 108 | 14.1% | -0.820% | $286 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 582 | 75.9% | -0.365% | $1,403 |
Refinance | Strong | Strong | Exceptional | Sound | 185 | 24.1% | -0.359% | $521 |
Geographic Coverage
Metro Areas
7
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
DCDEMDPAVAWV
Top Metro Areas by Place Specialization Score
1
Baltimore, MDMSA
Volume: 344Mix: 44.85%
Place Specialization
Exceptional
2
Frederick, MDMSA
Volume: 123Mix: 16.04%
Place Specialization
Exceptional
3
Salisbury, MD, MDMSA
Volume: 35Mix: 4.56%
Place Specialization
Exceptional
4
Washington, DC, DC-MDMSA
Volume: 63Mix: 8.21%
Place Specialization
Strong
5
Arlington, VA-WVMSA
Volume: 72Mix: 9.39%
Place Specialization
Strong
6
Hagerstown, MD-WVMSA
Volume: 20Mix: 2.61%
Place Specialization
Sound
7
Montgomery County, PAMSA
Volume: 12Mix: 1.56%
Place Specialization
Sound
Top States by Place Specialization Score
1
MDState
Volume: 609Mix: 79.40%
Place Specialization
Exceptional
2
VAState
Volume: 81Mix: 10.56%
Place Specialization
Strong
3
DCState
Volume: 22Mix: 2.87%
Place Specialization
Sound
4
PAState
Volume: 30Mix: 3.91%
Place Specialization
Sound
5
DEState
Volume: 16Mix: 2.09%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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