Nasa Federal Credit Union Mortgage Rates, Fees & Info

Upper Marlboro, MD

LEI: 549300KPBZCTMM3Y0061

Tax ID: 53-0258248

3.8 stars - out of 5 stars, based on 33 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    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

    1,103

    Origination Dollar Volume (All Markets)

    $336,725,000

    Awards

    NASA Federal Credit Union 30 Year Conventional Loans silver NASA Federal Credit Union 30 Year Conventional Loans bronze NASA Federal Credit Union 30 Year Conventional Loans gold NASA Federal Credit Union 30 Year Conventional Loans silver
    Show all (4) awards

    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%
    Nasa Federal Credit Union's top markets include Washington, Baltimore, Salisbury, Atlanta, and Philadelphia among others.

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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 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

    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 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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 284 $62,850,000 $221,303
    $3k-4k 254 $77,570,000 $305,394
    $5k+ 206 $108,070,000 $524,612
    $4k-5k 163 $64,365,000 $394,877
    $1k-2k 121 $16,495,000 $136,322
    $<1k 73 $7,215,000 $98,836

    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

    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 for loans was 2.95%, while their most frequently originated rate bucket for loans was 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 applications
    97.75%

    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 origination
    84.32%

    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

    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%