Nasa Federal Credit Union Mortgage Rates, Fees & Info
Upper Marlboro, MDLEI: 549300KPBZCTMM3Y0061
Tax ID: 53-0258248
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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 an average proportion of FHA loans. Their top markets by origination volume include: Washington, Baltimore, Dallas, Atlanta, and Philadelphia among others. We have data for 77 markets. (Some data included below & more in-depth data is available with an active subscription.)Nasa 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. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.58% | 12/16/24 |
| 30 Year Conventional Refi | 6.32% | 12/16/24 |
| 30 Year Cash-out Refi | 6.53% | 12/16/24 |
| 30 Year FHA Purchase | 7.18% | 12/16/24 |
| 30 Year VA Purchase | 6.44% | 12/16/24 |
| 15 Year Conventional Purchase | 5.89% | 12/16/24 |
| 15 Year Conventional Refi | 6.11% | 12/16/24 |
| 15 Year Cash-out Refi | 6.11% | 12/16/24 |
| 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™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
607Origination Dollar Volume (All Markets)
$127,875,000Awards
NASA Federal Credit Union - 2018
NASA Federal Credit Union is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 231 | $52,755,000 | $228,377 | $4,535 | 4.84% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 150 | $32,100,000 | $214,000 | $4,702 | 4.89% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 14 | $4,030,000 | $287,857 | $7,235 | 5.17% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 14 | $3,310,000 | $236,429 | $5,250 | 4.61% |
| Outside of Metro Areas | 21 | $2,905,000 | $138,333 | $3,612 | 4.46% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 8 | $1,960,000 | $245,000 | $6,000 | 5.29% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $7,395 | 4.60% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 8 | $1,490,000 | $186,250 | $4,859 | 4.70% |
| RICHMOND, VA (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $5,143 | 5.18% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 8 | $1,370,000 | $171,250 | $3,237 | 5.16% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $4,786 | 4.83% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 7 | $1,285,000 | $183,571 | $3,655 | 5.06% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $5,489 | 4.69% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 7 | $1,155,000 | $165,000 | $3,133 | 5.54% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $4,775 | 4.95% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $6,069 | 5.13% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 7 | $895,000 | $127,857 | $1,640 | 5.25% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $2,752 | 4.31% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 8 | $870,000 | $108,750 | $2,843 | 4.72% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $2,632 | 4.77% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $3,313 | 5.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,330 | 4.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $2,641 | 5.43% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $4,116 | 4.08% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $2,663 | 5.44% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $7,831 | 5.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $7,574 | 6.13% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,246 | 6.01% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,892 | 5.51% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $9,000 | 4.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $9,137 | 3.88% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,324 | 5.07% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,041 | 3.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,274 | 4.19% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,355 | 4.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,393 | 5.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,467 | 4.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,705 | 4.50% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,517 | 5.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,287 | 3.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,010 | 5.07% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.49% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,405 | 5.25% |
| DOVER, DE (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,739 | 4.63% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,550 | 4.88% |
| WACO, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,092 | 4.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,875 | 4.13% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,790 | 3.88% |
| Durango, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,574 | 4.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,443 | 4.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,534 | 4.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $2,554 | 5.38% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $818 | 4.13% |
| Henderson, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,805 | 4.50% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $1,121 | 6.38% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $198 | 4.91% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,350 | 4.25% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,896 | 5.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,928 | 4.88% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,019 | 4.75% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,349 | 4.13% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,421 | 4.50% |
| OCALA, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,005 | 3.88% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,333 | 4.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 5.70% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.25% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.39% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.39% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.14% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.74% |
| TULSA, OK (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.64% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $694 | 6.24% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.14% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.99% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.39% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.50% |
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 | 559 | $113,955,000 | $203,855 | $4,003 | 4.96% |
| FHA | 31 | $9,215,000 | $297,258 | $8,714 | 4.08% |
| VA | 17 | $4,705,000 | $276,765 | $8,480 | 4.19% |
For 2018, Nasa Federal Credit Union's most frequently originated type of loan was Conventional, with 559 originations. Their 2nd most popular type was FHA, with 31 originations.
Loan Reason
For 2018, Nasa Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 261 originations. The 2nd most popular reason was Other, with 90 originations.
Loan Duration/Length
For 2018, Nasa Federal Credit Union's most frequently cited loan duration was 30 Year, with 339 originations. The 2nd most popular length was 20 Year, with 116 originations.
Origination Fees/Closing Costs
Nasa Federal Credit Union's average total fees were $6,771, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 244 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 288 | $70,850,000 | $246,007 |
| 3-4% | 111 | $25,315,000 | $228,063 |
| 6-7% | 110 | $7,820,000 | $71,091 |
| 5-6% | 97 | $23,485,000 | $242,113 |
| 2.5-3% | 1 | $405,000 | $405,000 |
During 2018, Nasa Federal Credit Union's average interest rate for loans was 4.59%, while their most frequently originated rate bucket for loans was 4-5%, with 288 originations.
Loan Sizing
2018 saw Nasa Federal Credit Union place emphasis on $200k-400k loans with 221 originations, totaling $62,365,000 in origination value.
Applicant Income
Nasa Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 191 originations. The second most popular income band? $150k-250k, with 147 originations.
Applicant Debt to Income Ratio
Nasa Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 126 originations. The next most common DTI ratio? 30-36%, with 119 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.28%
Nasa Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination71.99%
Nasa Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 607 | $127,875,000 | $210,667 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 1 | $615,000 | $615,000 |
| Single Family (1-4 Units):Site-Built | 606 | $127,260,000 | $210,000 |