Applications / Mortgage Analytics / Lenders / Virginia / Apple Federal Credit Union
Fairfax, VA · Credit union · NCUA · $5.4 billion assets · 1,229 loans in 2025
Apple Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,229
loans originated, 2025
2,322
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Apple Federal Credit Union, a Virginia credit union, lends mostly for home improvement and other purposes and makes more of its loans to low- and moderate-income borrowers than nearly nine in ten similar lenders.
Home improvement was 49.9% of its loans and other purposes 30.8%; home purchases were 13.5% and refinances 5.8%. All its lending was conventional, and its typical loan, $125,000, was a little larger than similar lenders' $105,000 (credit unions making between half and twice as many loans).
LMI (low- and moderate-income) borrowers took 35.9% of its loans, against 27.3% at similar lenders, and up from 24.9% five years before. Its share in LMI areas, 18.7%, was higher than at about four in five peers, and in majority-minority areas, 40.0% against 10.2%, higher than more than eight in ten.
Originations fell 4% to 1,229, while similar lenders grew 9% and the whole market 10%. The fall in loan count did not reduce its dollars lent: $226.6 million, against $224.7 million in 2024. Its share in Winchester fell 0.3 points to 0.8%, ranking 25 of 303; its slightly lower volume and competitors' growth there are possible reasons; in Washington-Arlington-Alexandria it ranked 63 of 757.
Its typical rate, 7.49%, was higher than at about three-quarters of similar lenders, against 7.00%; its mix of home-improvement and other-purpose loans is one possible reason. Its higher-priced share, 1.1%, was lower than peers' 1.5%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Apple Federal Credit Union took 2,322 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 49.9% · Other 30.8% · Purchase 13.5% · Refinance 5.8%
Conventional 100.0% · of 1,229 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 1,101 | 89.6% |
| Maryland | 73 | 5.9% |
| West Virginia | 37 | 3.0% |
| District of Columbia | 9 | 0.7% |
| North Carolina | 9 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 968 |
| Winchester | 76 |
| Washington | 38 |
| Frederick-Gaithersburg-Bethesda | 25 |
| Hagerstown-Martinsburg | 22 |
| Baltimore-Columbia-Towson | 15 |
| Richmond | 15 |
| Charlottesville | 8 |
| Virginia Beach-Chesapeake-Norfolk | 6 |
| Blacksburg-Christiansburg-Radford | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900NZCGMT6517BA94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 625289 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511307 | 1990–2017 |
Established 1 January 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Apple Federal Credit Union's data.
Apple Federal Credit Union's data
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Apple Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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