# NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/national-institutes-of-health-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

NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION is a credit union, headquartered in Rockville, MD, serving borrowers across 6 states, with 75 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 74% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493007KLU19FK8PG279
- **Headquarters:** Rockville, MD
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** DC, DE, MD, NC, PA, VA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.251%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,676
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 75
- **Dollar Volume:** $33 million
- **Applications Received:** 139
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $439,800
- **Average Borrower Income:** $199,240

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 74 | -0.240% | $2,623 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 68 loans, Score: 33/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 68 | $30M | -0.250% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 58 | 0.08% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Frederick | MD | 39 | 70/100 |
| Baltimore | MD | 15 | 51/100 |

## Frequently Asked Questions

### What loan types does NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION offer?

NATIONAL INSTITUTES OF HEALTH 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 NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION offer mortgages?

NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION offers mortgages in 6 states: DC, DE, MD, NC, PA, VA.

### How competitive are NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION's mortgage rates?

NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.251% below market average.

### What type of lender is NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION?

NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Rockville, MD.

### What is NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION's loan approval success rate?

NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION has a pull-through score of 26/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/national-institutes-of-health-federal-credit-union

### How to Cite

> "NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/national-institutes-of-health-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/national-institutes-of-health-federal-credit-union)**