Andrews Federal Credit Union is a full-service, member-owned, not-for-profit financial cooperative and direct mortgage lender headquartered in Suitland, Maryland. With more than 139,000 members worldwide and over $2.45 billion in assets, Andrews Federal serves both military and civilian communities, including locations in Washington, D.C., Maryland, Virginia, New Jersey, and overseas in Germany, Belgium, and the Netherlands.
See today’s mortgage interest rates on TrueRate.
How Andrews Federal Credit Union compares to other lenders
| Headquarters | Suitland, Maryland |
| Website | andrewsfcu.org |
| Rate | 0.48% less than the median rate |
| Lender fees | $1,500 (median) |
| Savings after 1 year, compared to the median interest rate | $1,901 |
| Savings after 10 years, compared to the median interest rate | $15,659 |
For a $400,000 mortgage, Amplify Credit Union’s rates and lender fees result in estimated savings of about $1,148 in the first year and around $8,135 over 10 years compared to the median lender. But their lender fees are on the higher side—so it’s still always smart to compare several loan estimates against each other for peace of mind.
What customers are saying
Andrews Federal Credit Union receives generally positive mortgage-specific reviews from independent sources. NerdWallet rates its mortgage offerings 4.5 out of 5 stars, citing robust online tools, competitive rates, and easy membership eligibility, while also noting limited physical branches and a lack of renovation loan options. Borrowers appreciate the variety of conventional, FHA, VA, and jumbo loans, as well as perks like waived origination fees for direct deposit and rate float-down options. However, customer feedback on Reddit and Yelp is mixed, with some praising helpful staff and good rates, while others report slow issue resolution and communication gaps during the mortgage process.
How to compare mortgage lenders
Interest rates. Comparing rates between lenders isn’t always straightforward. Many promote low headline rates that require paying “points” upfront to buy down the interest rate. To make a true comparison, focus on the par rate (0 points) and the APR, which reflects both the interest rate and any lender fees. Even small differences can translate into significant savings over the life of the loan.
Lender fees or loan origination fees. Many lenders charge fees that add thousands to the cost of a loan. It’s important to look at both the rate and the fees together to understand the true cost of borrowing. For a $400,000 mortgage, avoiding even a $1,000 fee could contribute to meaningful savings in the first year and over the long term.
On-time close rate. Most lenders do not publicly share their on-time close rates. However, it’s a critical factor—especially if your home contract has tight deadlines. Asking about their process for meeting close dates, including underwriting and document review timelines, can give you more confidence when choosing a lender.
Pre-approval and offer letters. Some lenders offer fast pre-qualifications that may not be fully underwritten, which can weaken your offer in competitive markets. It’s important to ask whether a lender’s pre-approvals are fully underwritten and how credible their letters are when presented with an offer.
Customer satisfaction. If detailed customer review data isn’t readily available, check third-party review sites or ask the lender for references. It’s important to understand how they handle communication, responsiveness, and issue resolution throughout the loan process.
Employee reviews. Company culture often influences how clients are treated. A lender with strong employee satisfaction typically delivers better service, more organized processing, and a smoother overall experience for borrowers.
To better understand how we compare mortgage rates fairly, see our TrueRate Methodology.
If you’re ready to start your journey to homeownership, get pre-approved with Tomo Mortgage today.