Applications / Mortgage Analytics / Lenders / Virginia / Dominion Energy Credit Union
North Chesterfield, VA · Credit union · NCUA · $337 million assets · 103 loans in 2025
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103
loans originated, 2025
145
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dominion Energy Credit Union made 103 loans in 2025, back near its usual level after a thin 2024 of only 20.
Its loans rose 415%, from 20 to 103, faster than almost all similar lenders (credit unions making between half and twice as many loans). From 2018 to 2023 it made between 114 and 148 loans a year, so 2024 is the odd year, not 2025. Its typical loan in 2024, $285,000, was also far from this year's $105,000.
No purpose dominates: other purposes made up 32.0% of its loans, purchases 24.3% and home improvement 21.4%. None of its loans was higher-priced (a rate well above the average for similar loans). Its typical rate was 7.00%, against 6.75% at peers.
Majority-minority areas took 19.4% of its loans, against 9.4% at peers, more than at about two-thirds of them, and up from 10.0% in 2024. Low- and moderate-income (LMI) borrowers took 17.5%, against 29.9%, lower than more than four in five peers. Its members' incomes, which these figures do not show, may explain that. Poorer neighborhoods (LMI tracts) took 14.6%, against 17.3%.
In Richmond, where it has lent since 2004, it ranked 142 of 551 lenders with 0.1% of the market. Berkeley Point Capital led there, followed by Rocket Mortgage. It lent in 43 counties across 4 states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dominion Energy Credit Union took 145 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 32.0% · Purchase 24.3% · Refinance 22.3% · Home improvement 21.4%
Conventional 100.0% · of 103 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 | 98 | 95.1% |
| North Carolina | 2 | 1.9% |
| South Carolina | 2 | 1.9% |
| Ohio | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 60 |
| Arlington-Alexandria-Reston | 7 |
| Virginia Beach-Chesapeake-Norfolk | 7 |
| Staunton-Stuarts Draft | 2 |
| Winchester | 2 |
| Akron | 1 |
| Charleston-North Charleston | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Columbia | 1 |
| Lynchburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VA7HOYYKO7DN28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 244998 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566973 | 2004–2017 |
Established 1 January 1940. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Dominion Energy Credit Union's data.
Dominion Energy Credit Union's data
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Dominion Energy 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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