Johns Hopkins Federal Credit Union Mortgage Rates, Fees & Info

Baltimore, MD

LEI: 254900APUOKMIQ9Z9027

Tax ID: 52-0939040

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Mortgage Data

Review & Overview

Johns Hopkins Federal Credit Union is a smaller credit union specializing in Home Purchase and Cash Out Refi loans. Johns Hopkins Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Baltimore, Washington, Charlottesville, and Chambersburg among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

Johns Hopkins Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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Originations

104

Origination Dollar Volume (All Markets)

$15,590,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 100 $14,740,000 $147,400 $0 0.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $450,000 $225,000 $0 0.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
Johns Hopkins Federal Credit Union's top markets include Baltimore, Washington, Charlottesville, and Chambersburg among others.

Their top states include:
  • Maryland (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • District of Columbia (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 104 $15,590,000 $149,904 $0 0.00%

    For 2018, Johns Hopkins Federal Credit Union's most frequently originated type of loan was Conventional, with 104 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 38 $8,630,000 $227,105 $0 0.00%
    Home Improvement 32 $1,610,000 $50,313 $0 0.00%
    Cash Out Refi 22 $3,290,000 $149,545 $0 0.00%
    Refi 12 $2,060,000 $171,667 $0 0.00%

    For 2018, Johns Hopkins Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 38 originations. The 2nd most popular reason was Home Improvement, with 32 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 104 $15,590,000 $149,904 $0 0.00%

    For 2018, Johns Hopkins Federal Credit Union's most frequently cited loan duration was Other, with 104 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 50 $2,550,000 $51,000 $0 0.00%
    $100k-200k 25 $3,815,000 $152,600 $0 0.00%
    $200k-400k 23 $6,395,000 $278,043 $0 0.00%
    $400k-600k 5 $2,205,000 $441,000 $0 0.00%
    $600k-1MM 1 $625,000 $625,000 $0 0.00%

    2018 saw Johns Hopkins Federal Credit Union place emphasis on $100,000 or less loans with 50 originations, totaling $2,550,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 28 $4,800,000 $171,429 $0 0.00%
    $100k-150k 27 $4,165,000 $154,259 $0 0.00%
    $50k-75k 17 $2,495,000 $146,765 $0 0.00%
    $50k or less 13 $895,000 $68,846 $0 0.00%
    $75k-100k 13 $1,755,000 $135,000 $0 0.00%
    $250k+ 6 $1,480,000 $246,667 $0 0.00%

    Johns Hopkins Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 28 originations. The second most popular income band? $100k-150k, with 27 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 104 $15,590,000 $149,904 $0 0.00%

    Johns Hopkins Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 104 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 72 $11,680,000 $162,222 $0 0.00%
    Black 11 $1,575,000 $143,182 $0 0.00%
    Not provided 13 $1,355,000 $104,231 $0 0.00%
    Asian 8 $980,000 $122,500 $0 0.00%

    Approval Rates

    Total approvals of all applications
    80.95%

    Johns Hopkins Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.58%

    Johns Hopkins Federal Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 104 $15,590,000 $149,904

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 104 $15,590,000 $149,904

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    JAMES B. NUTTER & COMPANY Conventional home mortgage Struggling to pay mortgage 1 12.5%
    JAMES B. NUTTER & COMPANY FHA mortgage Trouble during payment process 1 12.5%
    JAMES B. NUTTER & COMPANY Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 12.5%
    JAMES B. NUTTER & COMPANY Other type of mortgage Closing on a mortgage 1 12.5%
    JAMES B. NUTTER & COMPANY Reverse mortgage Closing on a mortgage 2 25.0%
    JAMES B. NUTTER & COMPANY Reverse mortgage Trouble during payment process 2 25.0%