National Police Federal Credit Union effective: 2025 mortgage rates, costs & approvals
How National Police Federal Credit Union effective priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: National Police Federal Credit Union effective · LEI 254900LP2WHZQ61VBS60
In 2025, National Police Federal Credit Union effective originated 99 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 18 states — 1848th by volume among the 2,017 lenders profiled here.
It denied 5.8% of completed home-purchase applications (all lenders: 8.5%).
How National Police Federal Credit Union effective priced home-purchase loans
| Purchase loans, 2025 | National Police Federal Credit Union effective | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where National Police Federal Credit Union effective lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Illinois | 51 | 56 | 8.1% | — | — |
| Missouri | 11 | 11 | — | — | — |
| Arizona | 6 | 8 | — | — | — |
| Indiana | 5 | 6 | — | — | — |
| Ohio | 4 | 5 | — | — | — |
| Texas | 4 | 4 | — | — | — |
| Massachusetts | 3 | 3 | — | — | — |
| Wisconsin | 3 | 3 | — | — | — |
| California | 2 | 2 | — | — | — |
| Tennessee | 2 | 2 | — | — | — |
| Iowa | 1 | 1 | — | — | — |
| Kentucky | 1 | 1 | — | — | — |
| Maryland | 1 | 1 | — | — | — |
| Maine | 1 | 1 | — | — | — |
| Michigan | 1 | 1 | — | — | — |
| New Hampshire | 1 | 1 | — | — | — |
| New York | 1 | 1 | — | — | — |
| Oklahoma | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open National Police Federal Credit Union effective's page for that state.
Counties where National Police Federal Credit Union effective is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Pocahontas County, IA | 15 | 1 | 1.3% |
| New Madrid County, MO | 20 | 1 | 0.7% |
Check National Police Federal Credit Union effective yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900LP2WHZQ61VBS60.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from National Police Federal Credit Union effective with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology