Nasa Federal Credit Union Mortgage Rates, Fees & Info
Upper Marlboro, MDLEI: 549300KPBZCTMM3Y0061
Tax ID: 53-0258248
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 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 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, Atlanta, Houston, and Salisbury among others. We have data for 85 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 an average 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 | 6.76% | 7/13/25 |
| 30 Year Conventional Refi | 6.03% | 7/13/25 |
| 30 Year Cash-out Refi | 6.64% | 7/13/25 |
| 30 Year FHA Purchase | 7.04% | 7/13/25 |
| 30 Year FHA Refi | 6.96% | 7/13/25 |
| 30 Year VA Purchase | 5.73% | 7/13/25 |
| 15 Year Conventional Purchase | 5.65% | 7/13/25 |
| 15 Year Conventional Refi | 7.54% | 7/13/25 |
| 15 Year Cash-out Refi | 7.54% | 7/13/25 |
| 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. | ||
Nasa Federal Credit Union Mortgage Calculator
Your Estimates
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This is not an official calculator from Nasa Federal Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
371Origination Dollar Volume (All Markets)
$66,745,000Awards
NASA Federal Credit Union - 2024
NASA Federal Credit Union is a 2024 , due to their low .
For 2024, 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
6.45%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.1%.
Relative Fees (Closing Costs)
Nasa Federal Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,546.
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 $8,356.
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) | 118 | $19,850,000 | $168,220 | $2,510 | 7.43% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 77 | $13,305,000 | $172,792 | $2,506 | 7.30% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 9 | $2,855,000 | $317,222 | $6,824 | 7.21% |
| Outside of Metro Areas | 17 | $1,975,000 | $116,176 | $2,026 | 7.28% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $8,844 | 6.35% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 9 | $1,355,000 | $150,556 | $3,073 | 7.00% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $1,320,000 | $660,000 | $10,781 | 7.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $7,567 | 5.49% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $2,966 | 7.52% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $2,017 | 7.13% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $2,440 | 8.18% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $3,387 | 7.43% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $5,216 | 7.19% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,993 | 7.42% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $10,713 | 6.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,949 | 6.04% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $1,100 | 7.72% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,052 | 7.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,481 | 7.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,776 | 8.33% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,080 | 7.19% |
| Outside of Metro Areas | 1 | $495,000 | $495,000 | $16,415 | 8.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,480 | 6.56% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $8,133 | 6.63% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $0 | 8.44% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,501 | 6.13% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,755 | 7.13% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,411 | 6.50% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $15,916 | 5.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,279 | 5.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,942 | 6.50% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,555 | 7.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,155 | 7.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,561 | 5.25% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,594 | 6.50% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,832 | 7.13% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,260 | 6.63% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,269 | 5.63% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,368 | 6.25% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,896 | 6.88% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,220 | 6.13% |
| NILES, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,351 | 6.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,874 | 6.50% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $263 | 8.13% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $35 | 8.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,002 | 6.25% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,666 | 6.50% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,715 | 7.38% |
| Concord, NH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,749 | 6.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,544 | 6.19% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,718 | 6.88% |
| CASPER, WY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,497 | 7.50% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,896 | 5.75% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $150 | 8.25% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 7.25% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,453 | 5.88% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 7.38% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,513 | 6.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,119 | 6.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 8.63% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $1,789 | 6.94% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.50% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $100 | 8.25% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $225 | 9.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $525 | 9.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 9.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 7.75% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 8.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.25% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.25% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.75% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $670 | 7.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $0 | 7.75% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.75% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.50% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.50% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.75% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against NASA Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 361 | $62,575,000 | $173,338 | $2,768 | 7.37% |
| VA | 7 | $2,865,000 | $409,286 | $12,746 | 5.71% |
| FHA | 3 | $1,305,000 | $435,000 | $16,258 | 6.25% |
For 2024, Nasa Federal Credit Union's most frequently originated type of loan was Conventional, with 361 originations. Their 2nd most popular type was VA, with 7 originations.
Loan Reason
For 2024, Nasa Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 109 originations. The 2nd most popular reason was Home Purchase, with 105 originations.
Loan Duration/Length
For 2024, Nasa Federal Credit Union's most frequently cited loan duration was 30 Year, with 119 originations. The 2nd most popular length was 20 Year, with 97 originations.
Origination Fees/Closing Costs
Nasa Federal Credit Union's average total fees were $8,546, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 238 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 143 | $34,165,000 | $238,916 |
| 7-8% | 114 | $13,970,000 | $122,544 |
| Over 8% | 83 | $7,615,000 | $91,747 |
| 5-6% | 25 | $8,655,000 | $346,200 |
| 4-5% | 6 | $2,340,000 | $390,000 |
During 2024, Nasa Federal Credit Union's average interest rate for loans was 6.45%, while their most frequently originated rate bucket for loans was 6-7%, with 143 originations.
Loan Sizing
2024 saw Nasa Federal Credit Union place emphasis on $100,000 or less loans with 176 originations, totaling $10,080,000 in origination value.
Applicant Income
Nasa Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 140 originations. The second most popular income band? $100k-150k, with 104 originations.
Applicant Debt to Income Ratio
Nasa Federal Credit Union lent most frequently to those with DTI ratios of 30-36%, with 80 originations. The next most common DTI ratio? 20-30%, with 74 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.37%
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 origination73.05%
Nasa Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 371 | $66,745,000 | $179,906 |