Andrews Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
42nd11.7% deniedPricingmedian rate spread over APOR, weight 30%
34th0.42 ptsProcesswithdrawn + incomplete share, weight 15%
6th29.7%Closing coststotal loan costs ÷ loan amount, weight 10%
84th1.04% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 150 | 88 | 19.3% | 24.6% | 7.99% | $13M |
| 2024 | 699 | 327 | 10.7% | 18.5% | 6.49% | $87M |
| 2025 | 438 | 269 | 8.2% | 11.7% | 6.49% | $63M |
What Andrews Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 4 investment properties.
Why Andrews Federal Credit Union denies applications
Primary reason reported for each of the 36 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Andrews Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 99 | 58 | 18.1% |
| $100k – $150k | 117 | 76 | 8.3% |
| $150k – $250k | 134 | 83 | 8.7% |
| Over $250k | 71 | 41 | 8.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 64 | 32 | 8.3% |
| 35–44 | 121 | 69 | 6.8% |
| 45–54 | 88 | 59 | 10.6% |
| 55–64 | 95 | 63 | 14.5% |
| 65–74 | 46 | 31 | 16.2% |
| Over 74 | 21 | 14 | 22.2% |
Where Andrews Federal Credit Union lends
35 states and 167 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maryland | 135 | 90 | 11.1% | 6.99% | #205 |
| New Jersey | 82 | 48 | 4.9% | 6.38% | #290 |
| Virginia | 51 | 37 | 5.9% | 6.38% | #375 |
| Florida | 24 | 14 | 12.5% | 6.38% | #728 |
| Georgia | 16 | 11 | 6.3% | 7.25% | #596 |
| California | 15 | 8 | 6.7% | 6.63% | #681 |
| Pennsylvania | 13 | 6 | 0.0% | 7.74% | #656 |
| North Carolina | 12 | 11 | 0.0% | 6.13% | #603 |
| District of Columbia | 11 | 4 | 36.4% | 7.99% | #168 |
| Illinois | 10 | 6 | 0.0% | 5.75% | #689 |
| Missouri | 7 | 3 | 0.0% | 6.38% | #552 |
| New York | 7 | 3 | 0.0% | 6.00% | #493 |
| Delaware | 6 | 3 | 0.0% | 5.99% | #306 |
| Texas | 6 | 2 | 0.0% | 6.00% | #1,055 |
| Colorado | 5 | 3 | 0.0% | 5.75% | #621 |
Frequently asked questions
Andrews Federal Credit Union denied 11.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 42nd percentile of small mortgage lenders.
The most common reason Andrews Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 47.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Andrews Federal Credit Union originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was 0.42 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 34% of its applications were for home purchases, 66% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.