Applications / Mortgage Analytics / Lenders / Virginia / Signature Federal Credit Union
Alexandria, VA · Credit union · NCUA · $428 million assets · 258 loans in 2025
Signature Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
258
loans originated, 2025
736
applications, 2025
46
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Signature Federal Credit Union, based in Alexandria, lends nationwide, and most of its loans are for home improvements or other purposes rather than for buying or refinancing a home.
Home-improvement loans made up 42.6% of its 2025 lending and other-purpose loans 38.4%; purchases were only 8.5%. Its loans reached 46 states and 113 metros, with California, not Virginia, its biggest state. Its typical loan, $105,000, matched similar lenders', meaning credit unions making between half and twice as many loans.
It made 258 loans, up 11% from 232, against 6% at similar lenders. That is about double the 123 it made in 2020. The exception was 2023, when it made 456.
Its typical rate was 8.00%, higher than at almost all similar lenders, whose typical rate was 6.80%. Home-improvement and other-purpose loans often carry higher rates than first mortgages, and they are most of what it makes. Few of its loans were priced well above the average for similar loans: 0.8%, against 1.9% at similar lenders.
Borrowers with low or moderate incomes took 8.6% of its loans, among the lowest of similar lenders. Most of its borrowers already own their homes and borrow to improve them or for other purposes; such owners may earn more than the buyers who raise other lenders' shares. Majority-minority neighborhoods took 19.0% of its loans, higher than similar lenders' 12.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Signature Federal Credit Union took 736 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 42.6% · Other 38.4% · Refinance 10.5% · Purchase 8.5%
Conventional 100.0% · of 258 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 |
|---|---|---|
| California | 27 | 10.5% |
| Virginia | 24 | 9.3% |
| Florida | 15 | 5.8% |
| Illinois | 15 | 5.8% |
| New Jersey | 12 | 4.7% |
| North Carolina | 11 | 4.3% |
| Arizona | 10 | 3.9% |
| New York | 9 | 3.5% |
| Pennsylvania | 9 | 3.5% |
| Georgia | 8 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 15 |
| Phoenix-Mesa-Chandler | 9 |
| Chicago-Naperville-Schaumburg | 8 |
| Baltimore-Columbia-Towson | 5 |
| Richmond | 5 |
| Sacramento-Roseville-Folsom | 5 |
| Anaheim-Santa Ana-Irvine | 4 |
| Indianapolis-Carmel-Greenwood | 4 |
| Lakewood-New Brunswick | 4 |
| Marietta | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SQKZC6HESYGO25 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 258687 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 520061 | 1990–2017 |
Established 1 January 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Signature Federal Credit Union's data.
Signature Federal Credit Union's data
$215
Signature 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.
Buy Signature Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]