Johns Hopkins Federal Credit Union Mortgage Rates, Fees & Info

Baltimore, MD

LEI: 254900APUOKMIQ9Z9027

Tax ID: 52-0939040

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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%