# NORTHROP GRUMMAN Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/northrop-grumman-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


NORTHROP GRUMMAN Federal Credit Union is a credit union, headquartered in Gardena, CA, serving borrowers across 27 states, with 158 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 46% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493009D2COWW65B8673
- **Headquarters:** Gardena, CA
- **Geographic Reach:** Near-National
- **States Served:** 27
- **State List:** AL, AZ, CA, CO, DC, DE, FL, HI, ID, IL, KS, MA, MD, MN, NC, NE, NM, NV, OH, OK, OR, PA, SC, TN, UT, VA, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.131%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,208
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 158
- **Dollar Volume:** $58 million
- **Applications Received:** 267
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $366,519
- **Average Borrower Income:** $162,981
- **Average Property Value:** $595,380

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 155 | +0.124% | $2,209 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 114 loans, Score: 36/100 (Acceptable)
- Refinance: 41 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 117 | $47M | +0.163% | Acceptable 🙂 |
| Refinance | 39/100 | 41 | $10M | +0.008% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 55 | 0.02% | 56/100 |
| MD | 29 | 0.04% | 54/100 |
| FL | 18 | 0.01% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 33 | 58/100 |
| Baltimore | MD | 27 | 56/100 |
| Palm Bay | FL | 11 | 47/100 |

## Frequently Asked Questions

### What loan types does NORTHROP GRUMMAN Federal Credit Union offer?

NORTHROP GRUMMAN 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 NORTHROP GRUMMAN Federal Credit Union offer mortgages?

NORTHROP GRUMMAN Federal Credit Union offers mortgages in 27 states: AL, AZ, CA, CO, DC, DE, FL, HI, ID, IL, KS, MA, MD, MN, NC, NE, NM, NV, OH, OK, OR, PA, SC, TN, UT, VA, WA.

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

NORTHROP GRUMMAN Federal Credit Union has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.131% above market average.

### What type of lender is NORTHROP GRUMMAN Federal Credit Union?

NORTHROP GRUMMAN Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Gardena, CA.

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

NORTHROP GRUMMAN Federal Credit Union has a pull-through score of 30/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/northrop-grumman-federal-credit-union

### How to Cite

> "NORTHROP GRUMMAN Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/northrop-grumman-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/northrop-grumman-federal-credit-union)**