A refinance lender's swings
It made 365 loans in 2025, up from 245, while the typical similar lender (credit unions making between half and twice as many loans) grew 7%. Its record swings widely: 360 loans in 2020, then 44 in 2022.
Applications / Mortgage Analytics / Lenders / Maryland / Nymeo Federal Credit Union
Nymeo Federal Credit Union
Frederick, MD · Credit union · NCUA · $409 million assets · 365 loans in 2025
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365
loans originated, 2025
378
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Nymeo Federal Credit Union lives on refinancing, which made up 92.1% of its loans, and it grew 49% in 2025, faster than about seven in eight similar credit unions.
Bigger loans, lower rates
Its typical loan was $165,000, against $105,000 at similar lenders, higher than about six in seven of them. Its typical rate was 6.38%, against 6.99%, lower than about three-quarters of them.
Its biggest market is in Pennsylvania
Though based in Frederick, it lends most in York-Hanover, where it ranked 30 of 379 and its share eased 0.1 points to 0.9%. Its share rose to 0.4% in Harrisburg-Carlisle and to 0.8% in Chambersburg, so its growth may have gone more to those markets.
Near the middle on LMI borrowers
Low- and moderate-income (LMI) borrowers took 25.9% of its loans, against 27.5% at similar lenders, and 30.5% five years earlier. Its higher-priced share (loans at a rate well above the average for similar loans) was 2.2%, against 1.9%, also near the middle.
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
365 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Nymeo Federal Credit Union took 378 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
92.1% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 92.1% · Purchase 7.9%
Conventional 100.0% · of 365 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
7 states, 13 metros, 22 counties
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 283 | 77.5% |
| Maryland | 77 | 21.1% |
| Florida | 1 | 0.3% |
| Georgia | 1 | 0.3% |
| Texas | 1 | 0.3% |
| Virginia | 1 | 0.3% |
| West Virginia | 1 | 0.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| York-Hanover | 156 |
| Harrisburg-Carlisle | 80 |
| Baltimore-Columbia-Towson | 43 |
| Chambersburg | 28 |
| Frederick-Gaithersburg-Bethesda | 20 |
| Gettysburg | 16 |
| Washington | 10 |
| Hagerstown-Martinsburg | 3 |
| Arlington-Alexandria-Reston | 1 |
| Atlanta-Sandy Springs-Roswell | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003PL2K1NXVSU388 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 940580 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 516408 | 1990–2017 |
Established 1 January 1964. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Nymeo Federal Credit Union's data.
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