# ANDREWS FEDERAL CREDIT UNION

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

ANDREWS FEDERAL CREDIT UNION is a credit union, headquartered in Suitland, MD, serving borrowers across 32 states, with 176 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 8% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 82% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300D2OYT7VTDY6Z20
- **Headquarters:** Suitland, MD
- **Geographic Reach:** Near-National
- **States Served:** 32
- **State List:** AZ, CA, CT, DC, DE, FL, GA, IL, KY, MA, MD, MI, MN, MO, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pull Through: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** -0.427%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,720
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 176
- **Dollar Volume:** $70 million
- **Applications Received:** 443
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $399,773
- **Average Borrower Income:** $164,051

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 174 | -0.431% | $1,722 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 131 loans, Score: 36/100 (Acceptable)
- Refinance: 43 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 133 | $55M | -0.463% | Acceptable 🙂 |
| Refinance | 38/100 | 43 | $15M | -0.317% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 33 | 0.03% | 56/100 |
| MD | 31 | 0.04% | 55/100 |
| NJ | 15 | 0.02% | 46/100 |
| PA | 13 | 0.01% | 43/100 |
| TX | 10 | 0.00% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Arlington | VA-WV | 30 | 57/100 |
| Washington, DC | DC-MD | 19 | 55/100 |

## Frequently Asked Questions

### What loan types does ANDREWS FEDERAL CREDIT UNION offer?

ANDREWS 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 ANDREWS FEDERAL CREDIT UNION offer mortgages?

ANDREWS FEDERAL CREDIT UNION offers mortgages in 32 states: AZ, CA, CT, DC, DE, FL, GA, IL, KY, MA, MD, MI, MN, MO, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV.

### How competitive are ANDREWS FEDERAL CREDIT UNION's mortgage rates?

ANDREWS FEDERAL CREDIT UNION has a pricing score of 92/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.427% below market average.

### What type of lender is ANDREWS FEDERAL CREDIT UNION?

ANDREWS FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Suitland, MD.

### What is ANDREWS FEDERAL CREDIT UNION's loan approval success rate?

ANDREWS FEDERAL CREDIT UNION has a pull-through score of 18/100 (Mediocre). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/andrews-federal-credit-union

### How to Cite

> "ANDREWS FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/andrews-federal-credit-union

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