Nymeo 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 A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
62nd2.9% deniedPricingmedian rate spread over APOR, weight 30%
100th-0.42 ptsProcesswithdrawn + incomplete share, weight 15%
84th0.5%Closing coststotal loan costs ÷ loan amount, weight 10%
71st2.06% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 72 | 52 | 0.0% | 0.0% | 8.00% | $10M |
| 2024 | 247 | 245 | 0.4% | 0.4% | 8.50% | $41M |
| 2025 | 378 | 365 | 2.9% | 2.9% | 6.38% | $69M |
What Nymeo 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: 1 home-equity lines, 1 reverse mortgages, 0 manufactured homes, 341 investment properties.
Why Nymeo Federal Credit Union denies applications
Primary reason reported for each of the 11 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Nymeo Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 41 | 36 | 10.0% |
| 45–54 | 23 | 22 | 4.4% |
Where Nymeo Federal Credit Union lends
9 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 283 | 283 | 0.0% | 6.38% | #232 |
| Maryland | 83 | 77 | 6.0% | 6.38% | #259 |
Frequently asked questions
Nymeo Federal Credit Union denied 2.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 62nd percentile of investment-property lenders.
The most common reason Nymeo Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 63.6% 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 Nymeo Federal Credit Union originated in 2025 was 6.38%, 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, 11% of its applications were for home purchases, 89% 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.