Applications / Mortgage Analytics / Lenders / Maryland / Johns Hopkins Federal Credit Union
Baltimore, MD · Credit union · NCUA · $649 million assets · 143 loans in 2025
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143
loans originated, 2025
350
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Johns Hopkins Federal Credit Union, a Baltimore lender, makes about a third of its loans in majority-minority neighborhoods, more than most similar credit unions.
Of its 143 loans, 32.9% were in majority-minority neighborhoods, against 9.8% at similar lenders (credit unions making between half and twice as many loans), higher than at about three-quarters of them. Low- and moderate-income (LMI) areas took 21.8%, against 17.3%. Baltimore, its largest market, may explain both.
Refinances made up 37.8% of its lending, purchases 37.1% and home improvement 25.2%. Every loan was conventional and none was higher-priced (a rate well above the average for similar loans).
Originations fell 2% to 143 while similar lenders grew 9%. But its typical loan rose to $105,000 from $65,000, and its total lending to $26.6 million from $18.3 million. The public data do not show why; a shift in its mix of loan purposes is one possibility.
It has lent in Baltimore-Columbia-Towson, MD, since at least 1990, and ranks 155 of 592 lenders there with 0.1% of lending, unchanged. Rocket Mortgage and United Wholesale Mortgage lead.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Johns Hopkins Federal Credit Union took 350 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.8% · Purchase 37.1% · Home improvement 25.2%
Conventional 100.0% · of 143 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 | 134 | 93.7% |
| Pennsylvania | 5 | 3.5% |
| Virginia | 2 | 1.4% |
| District of Columbia | 1 | 0.7% |
| Delaware | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 123 |
| Washington | 5 |
| Frederick-Gaithersburg-Bethesda | 4 |
| York-Hanover | 2 |
| Arlington-Alexandria-Reston | 1 |
| Chambersburg | 1 |
| Lexington Park | 1 |
| Lynchburg | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
| Pittsburgh | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900APUOKMIQ9Z9027 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 662882 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 520623 | 1990–2017 |
Established 1 January 1971. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Johns Hopkins Federal Credit Union's data.
Johns Hopkins Federal Credit Union's data
$215
Johns Hopkins 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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