# NASA Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/nasa-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NASA Federal Credit Union is a credit union, headquartered in Upper Marlboro, MD, serving borrowers across 30 states, with 132 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300KPBZCTMM3Y0061
- **Headquarters:** Upper Marlboro, MD
- **Geographic Reach:** Near-National
- **States Served:** 30
- **State List:** AL, AR, CA, CO, FL, GA, ID, IL, IN, LA, MA, MD, MI, MS, NC, NH, NY, OH, OK, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.024%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,239
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 132
- **Dollar Volume:** $46 million
- **Applications Received:** 200
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $345,152
- **Average Borrower Income:** $173,773
- **Average Property Value:** $502,652

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 120 | +0.015% | $4,245 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 94 loans, Score: 31/100 (Acceptable)
- Refinance: 26 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 103 | $37M | -0.033% | Acceptable 🙂 |
| Refinance | 34/100 | 29 | $8M | +0.007% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 50 | 0.07% | 61/100 |
| VA | 19 | 0.02% | 49/100 |
| TX | 10 | 0.00% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Baltimore | MD | 22 | 54/100 |
| Washington, DC | DC-MD | 15 | 53/100 |
| Non |  | 13 | 28/100 |

## Frequently Asked Questions

### What loan types does NASA Federal Credit Union offer?

NASA Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NASA Federal Credit Union offer mortgages?

NASA Federal Credit Union offers mortgages in 30 states: AL, AR, CA, CO, FL, GA, ID, IL, IN, LA, MA, MD, MI, MS, NC, NH, NY, OH, OK, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, WY.

### How competitive are NASA Federal Credit Union's mortgage rates?

NASA Federal Credit Union has a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.024% below market average.

### What type of lender is NASA Federal Credit Union?

NASA Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Upper Marlboro, MD.

### What is NASA Federal Credit Union's loan approval success rate?

NASA Federal Credit Union has a pull-through score of 34/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/nasa-federal-credit-union

### How to Cite

> "NASA Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nasa-federal-credit-union

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