Nasa Federal Credit Union Mortgage Rates, Fees & Info
Upper Marlboro, MDLEI: 549300KPBZCTMM3Y0061
Tax ID: 53-0258248
2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Overview
Nasa Federal Credit Union is a smaller credit union specializing in Refi, Cash Out Refi, and Home Purchase loans. Nasa Federal Credit Union has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include Washington, Baltimore, Salisbury, Atlanta, and Philadelphia among others. Nasa Federal Credit Union has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Nasa Federal Credit Union is typically a high fee lendor.Originations
1,103Origination Dollar Volume (All Markets)
$336,725,000Awards
NASA Federal Credit Union - 2021
NASA Federal Credit Union is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for NASA Federal Credit Union?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Relative Rate
Nasa Federal Credit Union's average 30 year fixed rate mortgage of loans were
2.95%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.2%.
Relative Fees
Nasa Federal Credit Union's average total fees for a 30 year fixed rate
mortgage are $6,583.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 433 | $142,545,000 | $329,203 | $6,148 | 2.98% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 276 | $87,280,000 | $316,232 | $6,020 | 2.99% |
| Outside of Metro Areas | 33 | $6,805,000 | $206,212 | $4,196 | 2.85% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 25 | $6,495,000 | $259,800 | $5,563 | 2.97% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 25 | $6,475,000 | $259,000 | $5,037 | 3.53% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 14 | $4,600,000 | $328,571 | $6,775 | 2.83% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 13 | $4,365,000 | $335,769 | $7,235 | 3.01% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 12 | $4,320,000 | $360,000 | $7,851 | 2.83% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 8 | $3,750,000 | $468,750 | $8,279 | 3.06% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 9 | $3,215,000 | $357,222 | $7,261 | 3.74% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 11 | $2,805,000 | $255,000 | $5,024 | 3.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 11 | $2,765,000 | $251,364 | $4,564 | 3.18% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $2,670,000 | $445,000 | $7,511 | 3.13% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 9 | $2,465,000 | $273,889 | $6,963 | 3.21% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $2,075,000 | $415,000 | $6,388 | 2.73% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $1,985,000 | $283,571 | $6,147 | 2.79% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $1,965,000 | $393,000 | $5,472 | 3.42% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $1,900,000 | $475,000 | $7,274 | 2.91% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $1,790,000 | $298,333 | $4,214 | 3.34% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $6,359 | 2.60% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 7 | $1,605,000 | $229,286 | $5,633 | 2.82% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $1,580,000 | $395,000 | $7,413 | 3.03% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 7 | $1,575,000 | $225,000 | $6,035 | 2.86% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $1,530,000 | $191,250 | $4,132 | 3.16% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $7,651 | 3.08% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $6,198 | 3.18% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $5,143 | 3.44% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $12,515 | 2.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $4,534 | 3.52% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $5,577 | 3.06% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $6,902 | 2.71% |
| NEW BERN, NC (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $5,311 | 2.75% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $5,151 | 3.13% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,145 | 2.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $6,224 | 3.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $6,723 | 3.38% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,574 | 3.41% |
| DOVER, DE (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $6,316 | 2.63% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $9,611 | 2.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,556 | 3.44% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,148 | 2.38% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $5,060 | 2.71% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $7,854 | 3.13% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,401 | 2.81% |
| READING, PA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,014 | 2.81% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,498 | 2.58% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,909 | 2.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $3,122 | 3.83% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $13,475 | 2.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,970 | 2.94% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $8,016 | 2.63% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,194 | 2.56% |
| Barre, VT (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $8,647 | 4.00% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,684 | 3.06% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,675 | 3.81% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $6,947 | 2.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $11,049 | 2.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,663 | 2.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,101 | 2.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,328 | 2.63% |
| ERIE, PA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,381 | 3.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,717 | 3.31% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,577 | 2.50% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,148 | 2.63% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,905 | 2.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,687 | 2.63% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,694 | 2.00% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,909 | 3.19% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,873 | 2.88% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,885 | 2.88% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,204 | 2.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,915 | 3.19% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,439 | 2.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,434 | 4.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,199 | 3.13% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,107 | 3.50% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,607 | 2.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,149 | 2.75% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,236 | 2.88% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,226 | 4.06% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,912 | 3.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,846 | 4.13% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,667 | 3.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,917 | 2.38% |
| REDDING, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,874 | 2.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,684 | 2.88% |
| Henderson, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,079 | 2.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,761 | 2.75% |
| Forest City, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,455 | 3.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,408 | 2.75% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,966 | 2.50% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,579 | 3.00% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,754 | 2.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,355 | 2.63% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,963 | 2.88% |
| Easton, MD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,508 | 3.00% |
| Crossville, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,511 | 2.13% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,887 | 2.75% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,195 | 2.88% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,946 | 2.75% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,600 | 2.88% |
| Danville, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,818 | 2.75% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,870 | 2.38% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,315 | 2.88% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,296 | 3.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,629 | 3.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,139 | 2.63% |
| New Castle, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,612 | 2.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,879 | 3.25% |
| TULSA, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,271 | 3.13% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,087 | 2.50% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,245 | 2.88% |
| Wilson, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,818 | 2.75% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,294 | 2.63% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,572 | 2.38% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,928 | 2.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,571 | 3.25% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,781 | 2.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.00% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,145 | 3.13% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.00% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,308 | 2.50% |
| SALEM, OR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.00% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $585 | 7.00% |
Nasa Federal Credit Union's top markets include Washington, Baltimore, Salisbury, Atlanta, and Philadelphia among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 1,078 | $328,480,000 | $304,712 | $5,846 | 3.02% |
| VA | 15 | $5,775,000 | $385,000 | $8,880 | 2.63% |
| FHA | 10 | $2,470,000 | $247,000 | $9,551 | 2.94% |
For the 2021 period, Nasa Federal Credit Union's most frequently originated loan type of loans were Conventional, with 1,078 originations. Their 2nd most popular type is VA, with 15 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 489 | $148,855,000 | $304,407 | $5,661 | 2.77% |
| Cash Out Refi | 321 | $99,635,000 | $310,389 | $6,083 | 2.95% |
| Home Purchase | 249 | $85,715,000 | $344,237 | $7,276 | 3.03% |
| Other | 27 | $1,495,000 | $55,370 | $46 | 6.24% |
| Home Improvement | 17 | $1,025,000 | $60,294 | $0 | 6.22% |
For the 2021, Nasa Federal Credit Union's most frequently cited loan purpose of loans were Refi, with 489 originations. The 2nd most popular reason of loans were Cash Out Refi, with 321 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 792 | $265,640,000 | $335,404 | $6,583 | 2.95% |
| 15 Year | 176 | $43,980,000 | $249,886 | $4,741 | 2.70% |
| 20 Year | 107 | $24,245,000 | $226,589 | $3,956 | 3.78% |
| 10 Year | 21 | $2,455,000 | $116,905 | $2,276 | 3.70% |
| 5 Year | 7 | $405,000 | $57,857 | $101 | 4.93% |
For the 2021, Nasa Federal Credit Union's most frequently cited loan length of loans were 30 Year, with 792 originations. The 2nd most popular length of loans were 15 Year, with 176 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $3k-4k | 417 | $141,935,000 | $340,372 |
| $2k-3k | 284 | $62,850,000 | $221,303 |
| $5k+ | 206 | $108,070,000 | $524,612 |
| $1k-2k | 121 | $16,495,000 | $136,322 |
| $<1k | 73 | $7,215,000 | $98,836 |
$6,583 of loans were Nasa Federal Credit Union's average total fees, while their most frequently occuring range of origination fees were in the $3k-4k bucket, with 417 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 624 | $205,800,000 | $329,808 |
| <2.5% | 215 | $59,155,000 | $275,140 |
| 3-4% | 195 | $65,325,000 | $335,000 |
| 6-7% | 35 | $2,295,000 | $65,571 |
| 4-5% | 22 | $3,070,000 | $139,545 |
| 5-6% | 12 | $1,080,000 | $90,000 |
During 2021, Nasa Federal Credit Union's average interest rate of loans were 2.95%, while their most frequently originated rate bucket of loans were 2.5-3%, with 624 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 551 | $158,645,000 | $287,922 | $5,779 | 2.84% |
| $400k-600k | 231 | $110,805,000 | $479,675 | $8,556 | 2.87% |
| $100k-200k | 203 | $31,815,000 | $156,724 | $3,827 | 2.88% |
| $100,000 or less | 75 | $4,585,000 | $61,133 | $960 | 5.10% |
| $600k-1MM | 42 | $29,870,000 | $711,190 | $11,807 | 3.00% |
| $1MM+ | 1 | $1,005,000 | $1,005,000 | $15,816 | 3.38% |
2021 saw Nasa Federal Credit Union place emphasis on $200k-400k loans with 551 originations, totaling $158,645,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 331 | $98,865,000 | $298,686 | $5,748 | 3.07% |
| $150k-250k | 284 | $108,490,000 | $382,007 | $6,919 | 3.04% |
| $75k-100k | 188 | $48,580,000 | $258,404 | $5,198 | 3.01% |
| $50k-75k | 150 | $31,640,000 | $210,933 | $4,864 | 2.91% |
| $250k+ | 79 | $34,195,000 | $432,848 | $7,715 | 3.13% |
| $50k or less | 52 | $8,940,000 | $171,923 | $4,391 | 2.83% |
Nasa Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 331 originations. The second most popular income band? $150k-250k, with 284 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 316 | $102,060,000 | $322,975 | $6,238 | 2.91% |
| 30-36% | 237 | $70,625,000 | $297,996 | $5,751 | 3.17% |
| <20% | 133 | $35,735,000 | $268,684 | $5,289 | 2.72% |
| 38% | 44 | $14,030,000 | $318,864 | $6,180 | 3.42% |
| 39% | 42 | $14,230,000 | $338,810 | $6,495 | 3.19% |
| 43% | 38 | $13,380,000 | $352,105 | $6,545 | 2.88% |
| 42% | 36 | $8,250,000 | $229,167 | $4,359 | 3.41% |
| 36% | 36 | $9,720,000 | $270,000 | $5,450 | 2.82% |
| 41% | 36 | $9,490,000 | $263,611 | $5,205 | 3.39% |
| 40% | 32 | $10,330,000 | $322,813 | $5,877 | 3.14% |
| 44% | 30 | $10,400,000 | $346,667 | $6,542 | 2.96% |
| 37% | 27 | $7,515,000 | $278,333 | $5,101 | 3.51% |
| 45% | 25 | $9,115,000 | $364,600 | $7,229 | 2.83% |
| 46% | 18 | $5,800,000 | $322,222 | $6,589 | 2.83% |
| 49% | 17 | $5,325,000 | $313,235 | $6,572 | 2.80% |
| 48% | 15 | $4,455,000 | $297,000 | $6,168 | 2.74% |
| 47% | 12 | $2,960,000 | $246,667 | $5,597 | 2.81% |
| 50-60% | 3 | $1,365,000 | $455,000 | $8,985 | 2.63% |
Nasa Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 316 originations. The next most common DTI ratio? 30-36%, with 237 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 622 | $190,700,000 | $306,592 | $5,850 | 3.03% |
| Not provided | 223 | $69,255,000 | $310,561 | $5,986 | 2.96% |
| Black | 209 | $59,835,000 | $286,292 | $5,871 | 3.06% |
| Asian | 42 | $14,600,000 | $347,619 | $6,677 | 2.85% |
| American Indian | 5 | $2,175,000 | $435,000 | $7,629 | 3.05% |
| Not applicable | 2 | $160,000 | $80,000 | $0 | 4.50% |
Approval Rates
Total approvals of all applications93.92%
Nasa Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination77.15%
Nasa Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,103 | $336,725,000 | $305,281 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1,103 | $336,725,000 | $305,281 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 69 | $11,535,000 | $167,174 | $3,424 | 3.03% |
| 40-60% | 217 | $60,635,000 | $279,424 | $5,540 | 2.63% |
| 60-80% | 479 | $157,535,000 | $328,883 | $6,276 | 2.85% |
| 80-100% | 281 | $102,135,000 | $363,470 | $7,268 | 3.05% |
| Over 100% | 1 | $335,000 | $335,000 | $13,197 | 2.63% |
| Under 20% | 53 | $3,175,000 | $59,906 | $186 | 5.98% |
