Johns Hopkins Federal Credit Union Mortgage Rates, Fees & Info
Baltimore, MDLEI: 254900APUOKMIQ9Z9027
Tax ID: 52-0939040
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Johns Hopkins Federal Credit Union is a smaller credit union specializing in Refi loans. Johns Hopkins Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Baltimore, Washington, York, Philadelphia, and Lynchburg among others. We have data for 8 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
201Origination Dollar Volume (All Markets)
$43,115,000Top 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) | 184 | $38,980,000 | $211,848 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 8 | $2,080,000 | $260,000 | $0 | 0.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $0 | 0.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $0 | 0.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $75,000 | $75,000 | $0 | 0.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 201 | $43,115,000 | $214,502 | $0 | 0.00% |
For 2020, Johns Hopkins Federal Credit Union's most frequently originated type of loan was Conventional, with 201 originations.
Loan Reason
For 2020, Johns Hopkins Federal Credit Union's most frequently cited loan purpose was Refi, with 95 originations. The 2nd most popular reason was Home Improvement, with 38 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 201 | $43,115,000 | $214,502 | $0 | 0.00% |
For 2020, Johns Hopkins Federal Credit Union's most frequently cited loan duration was Other, with 201 originations.
Loan Sizing
2020 saw Johns Hopkins Federal Credit Union place emphasis on $100k-200k loans with 65 originations, totaling $10,065,000 in origination value.
Applicant Income
Johns Hopkins Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 62 originations. The second most popular income band? $100k-150k, with 42 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 201 | $43,115,000 | $214,502 | $0 | 0.00% |
Johns Hopkins Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 201 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.10%
Johns Hopkins Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination54.73%
Johns Hopkins Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 201 | $43,115,000 | $214,502 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 201 | $43,115,000 | $214,502 |
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| JAMES B. NUTTER & COMPANY | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| JAMES B. NUTTER & COMPANY | FHA mortgage | Trouble during payment process | 1 | 50.0% |