What loan types does State Employees Credit Union of Maryland offer?

State Employees Credit Union of Maryland offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does State Employees Credit Union of Maryland offer mortgages?

State Employees Credit Union of Maryland offers mortgages in 6 states: DC, DE, MD, PA, VA, WV.

How competitive are State Employees Credit Union of Maryland's mortgage rates?

State Employees Credit Union of Maryland has an overall pricing score of 70.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is State Employees Credit Union of Maryland?

State Employees Credit Union of Maryland is a Credit Union headquartered in Linthicum, MD.

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State Employees Credit Union of Maryland

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

We analyzed every closed loan from State Employees Credit Union of Maryland — 767 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 7 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Jumbo

Champion

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

State Employees Credit Union of Maryland performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 36.4 bps below market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

594 loans · 0.35% below market

Strong

Top 40% of lenders

4/5

FHA

60 loans · 0.44% above market

Strong

Top 40% of lenders

4/5

Jumbo

108 loans · 0.82% below market

Exceptional

Top 20% of lenders

5/5

By Loan Purpose· Transaction purpose mix

Purchase

582 loans · 0.36% below market

Strong

Top 40% of lenders

4/5

Refinance

185 loans · 0.36% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 8 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	Strong	Strong	Strong	Strong	594	77.4%	-0.355%Below	$1,262Fees
FHA Loans	Strong	Strong	Strong	Sound	60	7.8%	+0.442%Above	$1,982Fees
Jumbo Loans	Exceptional	Exceptional	Exceptional	Strong	108	14.1%	-0.820%Below	$286Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume594

Mix77.4%

Spread

-0.355%Below

Fees

$1,262Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume60

Mix7.8%

Spread

+0.442%Above

Fees

$1,982Fees

Jumbo Loans

Overall

Exceptional

Product

Exceptional

Pricing

Exceptional

Pull Through

Strong

Volume108

Mix14.1%

Spread

-0.820%Below

Fees

$286Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Sound	582	75.9%	-0.365%Below	$1,403Fees
Refinance	Strong	Strong	Exceptional	Sound	185	24.1%	-0.359%Below	$521Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume582

Mix75.9%

Spread

-0.365%Below

Fees

$1,403Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume185

Mix24.1%

Spread

-0.359%Below

Fees

$521Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

767

Applications

1,171

Volume

$383 million

Pricing & Closing

Avg Rate Spread

-0.364%

vs. market APOR

Avg Net Fees

$1,188

Origination − Credits

Pullthrough Rate

65.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$500,359

Avg Borrower Income

$206,089

Avg Property Value

$667,073

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

6Full-year 2024 · HMDA

Loans originated

< 2020–5050–100100+None

Northeast1

South5

DCDEMDVAWV

Top Metro Areas by Place Specialization Score

Baltimore, MDMetro

Volume 344Mix 44.85% of portfolio

85/100

Exceptional

Frederick, MDMetro

Volume 123Mix 16.04% of portfolio

81/100

Exceptional

Salisbury, MDMetro

Volume 35Mix 4.56% of portfolio

81/100

Exceptional

Washington, DC, DC-MDMetro

Volume 63Mix 8.21% of portfolio

69/100

Strong

Arlington, VA-WVMetro

Volume 72Mix 9.39% of portfolio

64/100

Strong

Hagerstown, MD-WVMetro

Volume 20Mix 2.61% of portfolio

54/100

Sound

Montgomery County, PAMetro

Volume 12Mix 1.56% of portfolio

42/100

Sound

Top States by Place Specialization Score

MarylandState

Volume 609Mix 79.40% of portfolio

86/100

Exceptional

VirginiaState

Volume 81Mix 10.56% of portfolio

62/100

Strong

Washington, DCState

Volume 22Mix 2.87% of portfolio

54/100

Sound

PennsylvaniaState

Volume 30Mix 3.91% of portfolio

48/100

Sound

DelawareState

Volume 16Mix 2.09% of portfolio

46/100

Sound

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.