Applications / Mortgage Analytics / Lenders / Maryland / Andrews Federal Credit Union
Suitland, MD · Credit union · NCUA · $2.6 billion assets · 269 loans in 2025
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269
loans originated, 2025
438
applications, 2025
31
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Andrews Federal Credit Union, a Maryland credit union, mostly refinances, lends across 31 states and buys loans as well as making them.
Refinances were 71.7% of its loans, and a lender this reliant on refinancing can see big swings from year to year. Its originations fell 18% to 269, while similar lenders (credit unions making between half and twice as many loans) grew 6%. It made 88 loans in 2023 and 327 in 2024.
It bought 173 loans, up from 163; the typical similar lender bought none. In 2020 it bought 1,426.
Its loans reached 31 states, 70 metros and 125 counties. In Washington, its biggest market, it ranked 261 of 757 lenders. Majority-minority areas took 46.8% of its loans, against 12.8% at similar lenders, higher than at more than four in five. Low- and moderate-income (LMI) borrowers took 24.8%, a little below peers' 27.7%, which its larger loans may partly explain.
Its typical loan was $175,000, against $105,000 at similar lenders, larger than at nearly nine in ten. Its typical rate was 6.49%, against 6.88%, lower than at about seven in ten. All its loans were conventional.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Andrews Federal Credit Union took 438 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 71.7% · Purchase 28.3%
Conventional 100.0% · of 269 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maryland | 90 | 33.5% |
| New Jersey | 48 | 17.8% |
| Virginia | 37 | 13.8% |
| Florida | 14 | 5.2% |
| Georgia | 11 | 4.1% |
| North Carolina | 11 | 4.1% |
| California | 8 | 3.0% |
| Illinois | 6 | 2.2% |
| Pennsylvania | 6 | 2.2% |
| District of Columbia | 4 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Washington | 70 |
| Camden | 30 |
| Arlington-Alexandria-Reston | 24 |
| Frederick-Gaithersburg-Bethesda | 11 |
| Baltimore-Columbia-Towson | 10 |
| Lakewood-New Brunswick | 9 |
| Atlanta-Sandy Springs-Roswell | 5 |
| Chicago-Naperville-Schaumburg | 5 |
| Richmond | 5 |
| Newark | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D2OYT7VTDY6Z20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 574275 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55754 | 1990–2017 |
Established 1 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Andrews Federal Credit Union's data.
Andrews Federal Credit Union's data
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Andrews Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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