Johns Hopkins 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 D 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%
4th36.9% deniedProcesswithdrawn + incomplete share, weight 15%
60th9.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 235 | 107 | 24.3% | 27.1% | — | $17M |
| 2024 | 333 | 146 | 35.1% | 38.1% | — | $18M |
| 2025 | 350 | 143 | 33.4% | 36.9% | — | $27M |
What Johns Hopkins 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, 1 investment properties.
Who gets approved at Johns Hopkins Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 3 | 57.1% |
| $50k – $100k | 91 | 28 | 57.0% |
| $100k – $150k | 97 | 40 | 40.7% |
| $150k – $250k | 88 | 49 | 16.5% |
| Over $250k | 49 | 23 | 15.0% |
Where Johns Hopkins Federal Credit Union lends
15 states and 36 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maryland | 318 | 134 | 32.1% | — | #120 |
| Pennsylvania | 12 | 5 | 33.3% | — | #661 |
Frequently asked questions
Johns Hopkins Federal Credit Union denied 36.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of small mortgage lenders.
In 2025, 26% of its applications were for home purchases, 43% for refinancing (including cash-out), and 31% 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.