Andrews Federal Credit Union Mortgage Review 2025

At a glance: Andrews Federal Credit Union mortgage options

Andrews Federal Credit Union is a credit union based in Suitland, Maryland, not far from Andrews Air Force Base. Loans are available to both military and civilian members in all 50 states plus Washington, D.C.

*VA and FHA loans are available, but the lender tells us they’re not a current priority.

Andrews Federal Credit Union is recognized as a minority depository institution (MDI). MDI credit unions provide fair and affordable financial services in communities that may lack access, helping members build financial security and address historical inequities.

» MORE: How to choose a mortgage lender

Andrews Federal Credit Union Mortgage special offers and discounts

Andrews Federal offers a few money-saving options for borrowers.

• Buyers and refinancers using conventional loans can take advantage of a free, one-time mortgage rate float-down after locking their mortgage rate.

• The credit union may grant an origination fee credit to borrowers who set up direct deposit for mortgage payments, a savings of $1,500.

• Borrowers can apply for up to $20,000 in Federal Home Loan Bank grants to help with down payment, closing costs or paying down the principal balance.

What does Andrews Federal Credit Union Mortgage specialize in?

A lender’s experience with your loan type can make a big difference. We looked at the latest federal data to find the types of mortgages Andrews Federal Credit Union handles most often. Andrews primarily serves borrowers with conventional home loans.

How we score Andrews Federal Credit Union Mortgage

Each year, NerdWallet writers and editors dig into the latest data and independent research on mortgage lending. Then, we rate lenders based on categories that matter most to mortgage borrowers.

Andrews Federal Credit Union has a NerdWallet home loans rating of five stars overall. Here’s a breakdown of this year’s score.

• The Nerdy details: Our rating system, explainedThe Nerdy details: Our rating system, explained

  Ah, so you’re the “read the fine print” type? We got you. Here’s how our scoring rubric works.

  Average mortgage rates and fees (30%)

  We review federal data (as reported by the lenders) and analyze mortgage lenders’ average fees and interest rates across all loan types. Lenders with the lowest average costs get the highest star ratings. Keep in mind: Loans that are easier to qualify for, like FHA loans, usually have higher rates and fees because lenders see them as a higher risk. Pro tip: Paying some fees upfront can sometimes lower your interest rate.

  Mortgage rate transparency (25%)

  We look at how easy it is to compare mortgage rates online. Lenders get higher transparency ratings if they show sample rates on their website. (Not all lenders do!) The best ratings go to lenders that offer interactive tools that let you customize a rate quote on your own.

  Variety of loan types (25%)

  There’s no one-size-fits-all mortgage. Lenders earn top ratings in this category when they offer a large variety of mortgage types. The more variety, the higher their score. A lender earns points for purchase and refinance; fixed and adjustable rates; FHA, VA or USDA loans; renovation or construction loans; and home equity loans or HELOCs.

  Customer experience (20%)

  How easy is it to work with this lender? Top-rated lenders offer helpful features like online applications, multiple ways to get support, a user-friendly mobile app and clear updates about the loan closing timeline.

Andrews Federal Credit Union Mortgage bonus points

Andrews Federal Credit Union earned bonus points for offering assistance to first-time home buyers and providing options for borrowers with credit scores below 600.

» MORE: How to get the best mortgage rate

Andrews Federal Credit Union Mortgage reputation and customer experience

NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pull the latest customer satisfaction scores from J.D. Power and Zillow, but Andrews Federal Credit Union didn’t have data from either source to share. We also contacted the lender’s customer support.

Andrews Federal Credit Union Mortgage customer service options

Here’s how you can get in touch with Andrews Federal Credit Union.

The lender has branches in Maryland, Virginia, Washington, D.C. and New Jersey, as well as overseas near U.S. military hubs in Germany, Belgium and the Netherlands. You can also send a secure message in the app or schedule a virtual or in-person appointment.

» MORE: How to apply for a mortgage

Alternatives to Andrews Federal Credit Union mortgage

Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.

Alliant Credit Union has average interest rates on the lower side, and its website offers a nice user experience to customize a rate quote.

For those who qualify for membership, Navy Federal Credit Union has 27 international branch locations for military borrowers stationed overseas.

» MORE: Best credit union mortgage lenders

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