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Johns Hopkins FCU

Baltimore, MD

Johns Hopkins FCU processed 333 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 146 loans with a 35.1% denial rate. Cash-out Refinancing was the primary loan purpose. Based in Baltimore, MD. The approval rate of 43.8% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Johns Hopkins FCU's 43.8% origination rate tells you how often an application turned into funded money; the 35.1% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (333 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

333
Applications
146
Originated
35.1%
Denial Rate
$118,033
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 333 146 117 $118,033

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Johns Hopkins FCU (LEI: 254900APUOKMIQ9Z9027) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Cash-out Refinancing 151 66 $87,848
Home Improvement 119 49 $68,950
Home Purchase 51 26 $290,098
Refinancing 12 5 $253,333

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 134 58.2% 23.9%
Black or African American 82 34.1% 47.6%
Asian * 22 40.9% 40.9%
Joint * 10 60.0% 20.0%
2 or more minority races * 3 33.3% 33.3%
American Indian or Alaska Native * 1 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 234 50.4% 32.5%
Hispanic or Latino * 15 26.7% 46.7%
Joint * 1 0.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in MD

Other HMDA-reporting lenders in MD with similar activity. Compare any two side-by-side.

Lower, LLC

COLUMBIA, MD

27,730 apps 17,412 originated 9.4% denied

Nfm, INC

LINTHICUM, MD

22,075 apps 17,246 originated 1.9% denied

First Home Mortgage

Baltimore, MD

7,187 apps 5,538 originated 2.8% denied

Tower Federal Credit Union

LAUREL, MD

6,022 apps 3,449 originated 31.0% denied

State Employees Credit Union of Maryland

Linthicum, MD

5,814 apps 2,602 originated 42.7% denied
Compare Johns Hopkins FCU vs Lower, LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Johns Hopkins FCU process?
Johns Hopkins FCU processed 333 mortgage applications in the 2024 HMDA reporting year. Of these, 146 were originated (approved and funded), 24 were withdrawn by the applicant, and 117 were denied.
What is Johns Hopkins FCU's mortgage approval rate?
Johns Hopkins FCU has an approval (origination) rate of 43.8%, meaning 43.8% of all applications resulted in a funded mortgage. The denial rate is 35.1%.
What is the average loan amount at Johns Hopkins FCU?
The average mortgage loan amount at Johns Hopkins FCU is $118,033.
What types of mortgage loans does Johns Hopkins FCU offer?
Johns Hopkins FCU processes Conventional loans. The most common type is Conventional with 333 applications and an average loan amount of $118,033.
What loan purposes does Johns Hopkins FCU serve?
Johns Hopkins FCU serves the following loan purposes: Cash-out Refinancing (151 applications), Home Improvement (119 applications), Home Purchase (51 applications), Refinancing (12 applications). Cash-out Refinancing is the most common purpose.
Where is Johns Hopkins FCU located?
Johns Hopkins FCU is headquartered in Baltimore, MD. The lender is identified by LEI 254900APUOKMIQ9Z9027 in HMDA data.
How does Johns Hopkins FCU compare in lending across racial demographics?
Johns Hopkins FCU reports demographic lending data under HMDA requirements. White applicants have an approval rate of 58.2% and denial rate of 23.9%; Black or African American applicants have an approval rate of 34.1% and denial rate of 47.6%; Asian applicants have an approval rate of 40.9% and denial rate of 40.9%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.