LEI 254900APUOKMIQ9Z9027 · Baltimore, MD
Johns Hopkins FCU
Denial sits in the upper fleet tercile at 35.1% across 333 HMDA applications, a stricter underwriting book than most reporters.
Denial tercile vs fleet
Johns Hopkins FCU posts a 35.1% denial rate, above the fleet's upper tercile (~13.79%) - across 333 applications with 146 originations. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 43.8%
- Origination share
- 146
- Originated
- 35.1%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
333 reported applications
Where Johns Hopkins FCU sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
146 Top 49% higher than 51% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Johns Hopkins FCU
Application volume by HMDA loan type in this lender's 2024 book.
Mid-volume reporter. Johns Hopkins FCU's 43.8% origination rate and 35.1% denial rate sit on a mid-tercile originated book (146 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Program weight concentrates in Conventional (333 applications).
How to read Johns Hopkins FCU. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Johns Hopkins FCU
Johns Hopkins FCU filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| 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.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| 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 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| 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.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| 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.
One of 74 other HMDA-reporting lenders in MD, 5 are shown here.
Lower, LLC
COLUMBIA, MD
Nfm, INC
LINTHICUM, MD
First Home Mortgage
Baltimore, MD
Tower Federal Credit Union
LAUREL, MD
State Employees Credit Union of Maryland
Linthicum, MD
Read with Johns Hopkins FCU
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Johns Hopkins FCU (LEI 254900APUOKMIQ9Z9027), from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024). See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.