Applications / Mortgage Analytics / Lenders / District of Columbia / Agriculture Federal Credit Union
Washington, DC · Credit union · NCUA · $349 million assets · 68 loans in 2025
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68
loans originated, 2025
159
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Agriculture Federal Credit Union, based in Washington, DC, lends to fix up homes in 11 states, and 44.1% of its loans went to majority-minority areas.
Home improvement made up 64.7% of its 68 loans, other purposes 27.9% and refinances 7.4%. It made no purchase loans. Its loans reached 20 metros and 34 counties, wide for a lender its size. Its typical loan was $75,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans).
Majority-minority areas took 44.1% of its loans, against 9.1% at peers, more than at about five in six of them. Lending centered on Washington and Baltimore may explain that. Borrowers with low and moderate incomes took 17.6%, against 31.0%, fewer than at about five in six peers. Loans for improvements to homes people already own are one possible reason.
It has lent in Washington-Arlington-Alexandria and Baltimore-Columbia-Towson since 1998. It ranked 462 of 757 lenders in the first and 489 of 592 in the second. Rocket Mortgage and United Wholesale Mortgage led both. Spread over so many places, its share in each is small.
Its loans fell 17% to 68, while similar lenders grew 7%. Its count swings widely, from 33 in 2018 to 105 in 2022.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Agriculture Federal Credit Union took 159 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 64.7% · Other 27.9% · Refinance 7.4%
Conventional 100.0% · of 68 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 |
|---|---|---|
| Maryland | 33 | 48.5% |
| Virginia | 17 | 25.0% |
| District of Columbia | 5 | 7.4% |
| Florida | 3 | 4.4% |
| Georgia | 2 | 2.9% |
| North Carolina | 2 | 2.9% |
| Pennsylvania | 2 | 2.9% |
| Illinois | 1 | 1.5% |
| Kansas | 1 | 1.5% |
| New Jersey | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Washington | 16 |
| Arlington-Alexandria-Reston | 12 |
| Frederick-Gaithersburg-Bethesda | 10 |
| Baltimore-Columbia-Towson | 6 |
| Lexington Park | 5 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Richmond | 2 |
| Charleston-North Charleston | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P5JG6WBCSZ7M53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 605085 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 516400 | 1998–2017 |
Established 1 January 1934. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Agriculture Federal Credit Union's data.
Agriculture Federal Credit Union's data
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Agriculture 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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