ANDREWS FEDERAL CREDIT UNION
ANDREWS FEDERAL CREDIT UNION received 438 applications in 2025 and made 269 mortgages, in 256 counties across 39 states. The median rate its borrowers got was 6.490% on a median loan of $175,000. Of 308 decisions, 36 were denials — 11.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300D2OYT7VTDY6Z20 |
|---|---|
| Applications received | 438 |
| Mortgages made | 269 |
| Denied | 36 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 130 |
| Loans bought from other lenders | 173 |
| Median rate spread over the prime offer rate | 0.42 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 76 | 6.063% | $365,000 | 3.8% |
| Refinancing | 23 | 5.625% | $405,000 | 11.1% |
| Cash-out refinancing | 170 | 7.490% | $95,000 | 14.9% |
Where ANDREWS FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Prince George's County, MD | 52 | 6.990% | 11.7% |
| Burlington County, NJ | 26 | 6.683% | 10.3% |
| Charles County, MD | 14 | 7.990% | 21.1% |
| Fairfax County, VA | 10 | 6.558% | 9.1% |
| Frederick County, MD | 6 | Under 10 loans | 0.0% |
| Montgomery County, MD | 5 | Under 10 loans | 16.7% |
| District of Columbia, DC | 4 | Under 10 loans | 50.0% |
| Anne Arundel County, MD | 4 | Under 10 loans | 20.0% |
| Middlesex County, NJ | 4 | Under 10 loans | 0.0% |
| Prince William County, VA | 4 | Under 10 loans | 0.0% |
| Cook County, IL | 3 | Under 10 loans | 0.0% |
| Camden County, NJ | 3 | Under 10 loans | 0.0% |
| Ocean County, NJ | 3 | Under 10 loans | 0.0% |
| Alexandria city, VA | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 2 | Under 10 loans | 0.0% |
| Placer County, CA | 2 | Under 10 loans | 0.0% |
| Kent County, DE | 2 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 2 | Under 10 loans | 50.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 0.0% |
| Henry County, GA | 2 | Under 10 loans | 0.0% |
| Baltimore County, MD | 2 | Under 10 loans | 0.0% |
| Calvert County, MD | 2 | Under 10 loans | 0.0% |
| Howard County, MD | 2 | Under 10 loans | 0.0% |
| Somerset County, NJ | 2 | Under 10 loans | 0.0% |
| Warren County, NJ | 2 | Under 10 loans | 0.0% |
| Wake County, NC | 2 | Under 10 loans | 0.0% |
| Multnomah County, OR | 2 | Under 10 loans | 0.0% |
| Loudoun County, VA | 2 | Under 10 loans | 0.0% |
| Spotsylvania County, VA | 2 | Under 10 loans | 0.0% |
| Richmond city, VA | 2 | Under 10 loans | 0.0% |
| Limestone County, AL | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| Mariposa County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 1 | Under 10 loans | 0.0% |
| Boulder County, CO | 1 | Under 10 loans | 0.0% |
| Fremont County, CO | 1 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 1 | Under 10 loans | 0.0% |
| New Castle County, DE | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.