Applications / Mortgage Analytics / Lenders / Maryland / NIH Federal Credit Union
Rockville, MD · Credit union · NCUA · $804 million assets · 169 loans in 2025
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169
loans originated, 2025
287
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NIH Federal Credit Union made nearly half its loans in majority-minority neighborhoods, far more than similar credit unions, even as its loan count fell in 2025.
Majority-minority neighborhoods took 49.7% of its loans, against 10.3% at similar lenders (credit unions making between half and twice as many loans), higher than more than four in five of them. Low- and moderate-income (LMI) neighborhoods took 22.0%, against 17.3%.
It made 169 loans, down 16%, while similar lenders grew 7%. Its dollar volume still rose, to $47.3 million from $45.8 million, because its typical loan rose to $195,000 from $125,000.
Refinancing made up 33.1% of its loans, home improvement 29.0% and purchases 28.4%. Its typical rate was 6.38%, against 6.75% at similar lenders.
Its count compares with 593 five years before, and its dollar volume with $192.1 million then. But 2020 was its highest year on record, so the comparison is with an unusual year. In Washington-Arlington-Alexandria, its largest market, it ranks 203 of 757 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NIH Federal Credit Union took 287 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 33.1% · Home improvement 29.0% · Purchase 28.4% · Other 9.5%
Conventional 100.0% · of 169 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 | 115 | 68.0% |
| Virginia | 15 | 8.9% |
| District of Columbia | 10 | 5.9% |
| North Carolina | 10 | 5.9% |
| West Virginia | 6 | 3.6% |
| Delaware | 3 | 1.8% |
| Georgia | 2 | 1.2% |
| Illinois | 2 | 1.2% |
| Ohio | 2 | 1.2% |
| Pennsylvania | 2 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Frederick-Gaithersburg-Bethesda | 80 |
| Washington | 28 |
| Arlington-Alexandria-Reston | 17 |
| Baltimore-Columbia-Towson | 16 |
| Hagerstown-Martinsburg | 3 |
| Charlotte-Concord-Gastonia | 2 |
| Durham-Chapel Hill | 2 |
| Pittsburgh | 2 |
| Raleigh-Cary | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007KLU19FK8PG279 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 377672 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53601 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: NIH Federal Credit Union's data.
NIH Federal Credit Union's data
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NIH 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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