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

Promptness

Not enough data

—/5

No quote responses measured yet

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

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

101 loans · 0.30% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

36 loans · 0.33% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

66 loans · 0.27% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

4/5

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

2Full-year 2024 · HMDA

Loans originated

All statesNone

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 the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.