NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION
NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION received 287 applications in 2025 and made 169 mortgages, in 63 counties across 23 states. The median rate its borrowers got was 6.375% on a median loan of $195,000. Of 213 decisions, 44 were denials — 20.7%, most often for other. 32 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493007KLU19FK8PG279 |
|---|---|
| Applications received | 287 |
| Mortgages made | 169 |
| Denied | 44 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 74 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.35 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 | 48 | 5.750% | $415,000 | 12.7% |
| Refinancing | 27 | 5.250% | $495,000 | 10.0% |
| Cash-out refinancing | 29 | 7.490% | $145,000 | 29.3% |
| Other purposes | 65 | 7.370% | $75,000 | 25.3% |
Where NATIONAL INSTITUTES OF HEALTH 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 |
|---|---|---|---|
| Montgomery County, MD | 61 | 5.990% | 12.9% |
| Frederick County, MD | 19 | 6.250% | 13.6% |
| Prince George's County, MD | 18 | 7.245% | 14.3% |
| District of Columbia, DC | 10 | 6.748% | 28.6% |
| Howard County, MD | 8 | Under 10 loans | 11.1% |
| Fairfax County, VA | 7 | Under 10 loans | 22.2% |
| Sussex County, DE | 3 | Under 10 loans | 25.0% |
| Anne Arundel County, MD | 3 | Under 10 loans | 25.0% |
| Baltimore city, MD | 3 | Under 10 loans | 50.0% |
| Prince William County, VA | 3 | Under 10 loans | 0.0% |
| Jefferson County, WV | 3 | Under 10 loans | 0.0% |
| Orange County, NC | 2 | Under 10 loans | 0.0% |
| Wake County, NC | 2 | Under 10 loans | 33.3% |
| Allegheny County, PA | 2 | Under 10 loans | 0.0% |
| Loudoun County, VA | 2 | Under 10 loans | 50.0% |
| Berkeley County, WV | 2 | Under 10 loans | 0.0% |
| Naugatuck Valley Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Forsyth County, GA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Washington County, IL | 1 | Under 10 loans | 0.0% |
| Calvert County, MD | 1 | Under 10 loans | 0.0% |
| Carroll County, MD | 1 | Under 10 loans | 0.0% |
| Harford County, MD | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Cumberland County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Nash County, NC | 1 | Under 10 loans | 0.0% |
| Union County, NC | 1 | Under 10 loans | 0.0% |
| Wilson County, NC | 1 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Warren County, OH | 1 | Under 10 loans | 0.0% |
| Arlington County, VA | 1 | Under 10 loans | 0.0% |
| Henrico County, VA | 1 | Under 10 loans | 0.0% |
| Spotsylvania County, VA | 1 | Under 10 loans | 50.0% |
| King County, WA | 1 | Under 10 loans | 0.0% |
| Morgan County, WV | 1 | Under 10 loans | 0.0% |
| Montgomery County, AL | 0 | Under 10 loans | Not published |
| Jefferson County, AR | 0 | Under 10 loans | Not published |
| Adams County, CO | 0 | Under 10 loans | Not published |
| La Plata County, CO | 0 | Under 10 loans | 100.0% |
| Clark County, IN | 0 | Under 10 loans | Not published |
| Shawnee County, KS | 0 | Under 10 loans | Not published |
| Kennebec County, ME | 0 | Under 10 loans | Not published |
| Baltimore County, MD | 0 | Under 10 loans | 100.0% |
| Charles County, MD | 0 | Under 10 loans | Not published |
| Garrett County, MD | 0 | Under 10 loans | Not published |
| Wicomico County, MD | 0 | Under 10 loans | 100.0% |
| Worcester County, MD | 0 | Under 10 loans | 100.0% |
| Essex County, MA | 0 | Under 10 loans | 100.0% |
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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.