Nasa Federal Credit Union Mortgage Rates, Fees & Info
Upper Marlboro, MDLEI: 549300KPBZCTMM3Y0061
Tax ID: 53-0258248
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & 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 by origination volume include: Washington, Baltimore, Salisbury, Atlanta, and Philadelphia among others. We have data for 124 markets. (Some data included below & more in-depth data is available with an active subscription.)Nasa Federal Credit Union has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Nasa Federal Credit Union is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.52% | 1/29/23 |
| 30 Year Conventional Refi | 6.31% | 1/29/23 |
| 30 Year Cash-out Refi | 6.54% | 1/29/23 |
| 30 Year FHA Purchase | 7.35% | 1/29/23 |
| 30 Year VA Purchase | 6.17% | 1/29/23 |
| 30 Year VA Refi | 6.21% | 1/29/23 |
| 15 Year Conventional Purchase | 6.30% | 1/29/23 |
| 15 Year Conventional Refi | 5.93% | 1/29/23 |
| 15 Year Cash-out Refi | 5.93% | 1/29/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
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.
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Relative Rate
Nasa Federal Credit Union's average 30 year fixed mortgage rate was
2.95%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.2%.
Relative Fees (Closing Costs)
Nasa Federal Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,583.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
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 |
|---|---|---|---|---|---|
| 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% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. 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 2021, Nasa Federal Credit Union's most frequently originated type of loan was Conventional, with 1,078 originations. Their 2nd most popular type was VA, with 15 originations.
Loan Reason
For 2021, Nasa Federal Credit Union's most frequently cited loan purpose was Refi, with 489 originations. The 2nd most popular reason was Cash Out Refi, with 321 originations.
Loan Duration/Length
For 2021, Nasa Federal Credit Union's most frequently cited loan duration was 30 Year, with 792 originations. The 2nd most popular length was 15 Year, with 176 originations.
Origination Fees/Closing Costs
Nasa Federal Credit Union's average total fees were $6,583, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 284 originations.
Interest Rates
During 2021, Nasa Federal Credit Union's average interest rate for loans was 2.95%, while their most frequently originated rate bucket for loans was 2.5-3%, with 624 originations.
Loan Sizing
2021 saw Nasa Federal Credit Union place emphasis on $200k-400k loans with 551 originations, totaling $158,645,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications97.75%
Nasa Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination84.32%
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 |