Applications / Mortgage Analytics / Lenders / District of Columbia / Bank Fund Staff Federal Credit Union
Washington, DC · Credit union · NCUA · $7.0 billion assets · 1,166 loans in 2025
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1,166
loans originated, 2025
1,592
applications, 2025
37
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank Fund Staff Federal Credit Union makes large refinance and purchase loans across 37 states, with a typical loan far larger than similar credit unions' and originations up 13% in 2025.
Its typical loan was $305,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), higher than nearly all of them, and 7.8% of its loans were jumbo (larger than the conforming limit), against 1.0%. It lends in 37 states, with Virginia its main state, and ranked 36 of 757 lenders in Washington-Arlington-Alexandria.
Refinances were 58.5% of its loans and purchases 41.5%. It made 2,562 loans in 2021 and 886 in 2023; with so much refinancing, the rise in its typical rate to 6.50% from 2.88% five years before is one possible reason for the fall. Originations rose 13% in 2025 to 1,166, against 9% at peers and 10% for the whole market.
Low- and moderate-income (LMI) borrowers took 12.1% of its loans, among the lowest twentieth of peers, whose typical share was 27.7%, and LMI areas 9.7%. Its large loans and jumbo share are possible reasons. Majority-minority areas took 34.7%, against 10.1% at peers, higher than about four in five.
Higher-priced loans (a rate well above the average for similar loans) were 0.0% of its loans, against 1.5% at peers. Its denial rate on home-purchase applications was 3.5%, against 6.2%, and on refinance applications 19.3%, near peers' 21.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank Fund Staff Federal Credit Union took 1,592 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 58.5% · Purchase 41.5%
Conventional 100.0% · of 1,166 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 | 397 | 34.0% |
| Maryland | 366 | 31.4% |
| District of Columbia | 220 | 18.9% |
| Florida | 24 | 2.1% |
| California | 20 | 1.7% |
| North Carolina | 12 | 1.0% |
| Massachusetts | 11 | 0.9% |
| Colorado | 10 | 0.9% |
| Pennsylvania | 10 | 0.9% |
| Delaware | 8 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 376 |
| Frederick-Gaithersburg-Bethesda | 299 |
| Washington | 254 |
| Baltimore-Columbia-Towson | 25 |
| Richmond | 9 |
| Los Angeles-Long Beach-Glendale | 8 |
| New York-Jersey City-White Plains | 8 |
| Boston | 6 |
| Chicago-Naperville-Schaumburg | 6 |
| Denver-Aurora-Centennial | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | HIDXEG9BLUJZKBGUT764 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 561471 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55582 | 1990–2017 |
Established 1 January 1947. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Bank Fund Staff Federal Credit Union's data.
Bank Fund Staff Federal Credit Union's data
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Bank Fund Staff 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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