Applications / Mortgage Analytics / Lenders / Virginia / Argent Federal Credit Union
Chester, VA · Credit union · NCUA · $538 million assets · 76 loans in 2025
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76
loans originated, 2025
135
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Argent Federal Credit Union, a Richmond-area lender, makes far more of its loans in majority-minority neighborhoods and to lower-income borrowers than most similar credit unions.
Some 35.5% of its loans were in majority-minority neighborhoods, against 9.2% at similar lenders (credit unions making between half and twice as many loans), higher than about four in five of them. Its share of borrowers with low or moderate incomes rose to 42.7% from 31.3%, against 30.5% at peers.
Refinancing made up 36.8% of its loans and home improvement 26.3%. Its typical loan, $80,000, was below peers' $95,000. Yet its lending came to $14.0 million, against $10.9 million. A few large loans may explain the gap: 5.3% were jumbo (larger than the conforming limit), where the typical peer had none.
It made 76 loans, up 12% from 68, while similar lenders grew 7%. Five years before it made 196, against 74 in 2019 and 97 in 2021. It merged with Partners Financial Federal Credit Union in 2023; that lender's filings count in its competition figures.
In Richmond, VA it ranked 124 of 551 lenders, with 0.1% of lending, unchanged from 2024. Berkeley Point Capital led the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Argent Federal Credit Union took 135 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 36.8% · Home improvement 26.3% · Purchase 21.1% · Other 15.8%
Conventional 100.0% · of 76 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 | 76 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 71 |
| Arlington-Alexandria-Reston | 1 |
| Virginia Beach-Chesapeake-Norfolk | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GBD8RBYHSIS855 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 251491 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524313 | 1990–2017 |
Established 1 January 1987. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Argent Federal Credit Union's data.
Argent Federal Credit Union's data
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Argent 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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