Applications / Mortgage Analytics / Lenders / Virginia / CommonWealth One Federal Credit Union
Alexandria, VA · Credit union · NCUA · $521 million assets · 117 loans in 2025
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117
loans originated, 2025
200
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CommonWealth One Federal Credit Union lends mainly to people who already own their homes, and its loans rose 10% in 2025, to 117.
Other purposes made up 34.2% of its loans and home improvement 32.5%. Purchases were 21.4%. Every loan was conventional. Its typical loan rose to $115,000 from $85,000, against $105,000 at similar lenders, credit unions making between half and twice as many loans.
Neighborhoods where most residents are minorities took 40.2% of its loans, against 9.3% at similar lenders, more than at about four in five. That may reflect its home market, Washington-Arlington-Alexandria. Borrowers with low and moderate incomes (LMI) took 29.9%, near the middle. Its share in poorer neighborhoods (LMI tracts) fell to 12.8% from 21.7%, a change a few loans in its smaller markets could account for. None of its loans were higher-priced (a rate well above the average for similar loans), against 2.9% at peers.
It made 74 loans in 2020, 262 in 2023 and 106 in 2024, before rising again in 2025. In 2020 it bought 66 loans from other lenders; in 2025 it bought 4.
In Washington-Arlington-Alexandria, where it has lent since at least 1990, it ranked 310 of 757 lenders. In Charlottesville its share rose by 0.1 points to 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CommonWealth One Federal Credit Union took 200 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 34.2% · Home improvement 32.5% · Purchase 21.4% · Refinance 12.0%
Conventional 100.0% · of 117 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 | 80 | 68.4% |
| Maryland | 26 | 22.2% |
| District of Columbia | 6 | 5.1% |
| Kentucky | 2 | 1.7% |
| Florida | 1 | 0.9% |
| Massachusetts | 1 | 0.9% |
| Pennsylvania | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 42 |
| Harrisonburg | 22 |
| Washington | 20 |
| Frederick-Gaithersburg-Bethesda | 7 |
| Baltimore-Columbia-Towson | 3 |
| Charlottesville | 3 |
| Richmond | 2 |
| Winchester | 2 |
| Blacksburg-Christiansburg-Radford | 1 |
| Boston | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YMV5FVP7DXOG44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 792172 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55134 | 1990–2017 |
Established 1 January 1944. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: CommonWealth One Federal Credit Union's data.
CommonWealth One Federal Credit Union's data
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CommonWealth One 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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