Applications / Mortgage Analytics / Lenders / Virginia / Topside Federal Credit Union
Dahlgren, VA · Credit union · NCUA · $488 million assets · 75 loans in 2025
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75
loans originated, 2025
154
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Topside Federal Credit Union barely makes loans to buy homes: almost all of its 75 loans in 2025 were for home improvement or other purposes.
Home improvement accounted for 50.7% of its loans and other purposes for 45.3%. Purchases were 2.7% and refinances 1.3%. Its typical loan, $75,000, was smaller than at about three in four similar lenders, credit unions making between half and twice as many loans, where it was $95,000.
Its typical rate was 8.00%, against 6.75% at similar lenders, higher than at more than nine in ten. One possible reason is its product: home-improvement and other-purpose loans make up nearly all its lending, and such loans often carry higher rates than purchase mortgages.
It made 75 loans, down 26% from 101, while similar lenders grew 6%. Lending peaked at 138 in 2022 and has fallen each year since; it is now close to the 72 of 2020. The figures do not show why.
Some 21.3% of its loans went to low- and moderate-income neighborhoods, against 17.4% at similar lenders, more than at about two-thirds of them. It has lent in non-metro Virginia and the Washington metro since 1994, ranking 198 of 539 in the first.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Topside Federal Credit Union took 154 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.7% · Other 45.3% · Purchase 2.7% · Refinance 1.3%
Conventional 100.0% · of 75 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 | 75 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 30 |
| Richmond | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CWXIPLEXBPNY95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 734284 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 514754 | 1994–2017 |
Established 1 January 1961. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Topside Federal Credit Union's data.
Topside Federal Credit Union's data
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Topside 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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