Applications / Mortgage Analytics / Lenders / Virginia / Transportation Federal Credit Union
Alexandria, VA · Credit union · NCUA · $356 million assets · 202 loans in 2025
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202
loans originated, 2025
306
applications, 2025
22
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Transportation Federal Credit Union, based in Alexandria, Virginia, makes small refinance and other-purpose loans to members in 22 states, and its loans rose by half in 2025.
Refinances made up 72.3% of its loans, other purposes 18.3% and home improvement 9.4%; it made no purchase loans. Its typical loan was $75,000, against $105,000 at similar lenders, credit unions making between half and twice as many loans. That is smaller than at more than four in five of them, and the same as five years before.
Its loans rose 50% to 202, against 7% for similar lenders and 10% for the whole market, faster than more than four in five peers. Its counts swing widely from year to year: 363 in 2019, 57 in 2020, 219 in 2022 and 79 in 2023.
Its typical rate was 8.00%, against 6.75% at peers, higher than at more than nine in ten of them. Its mix of refinance, home-improvement and other-purpose loans, with no purchase loans, may account for much of that. None of its loans counted as higher-priced, with a rate well above the average for similar loans, against 2.0% at peers.
Its loans reached 64 metros and 138 counties, with Missouri the main state. Majority-minority neighborhoods received 21.3% of them, against 11.0% at peers. It holds no measurable share in any single 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Transportation Federal Credit Union took 306 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 72.3% · Other 18.3% · Home improvement 9.4%
Conventional 100.0% · of 202 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 |
|---|---|---|
| Missouri | 29 | 14.4% |
| Maryland | 28 | 13.9% |
| Ohio | 21 | 10.4% |
| Indiana | 18 | 8.9% |
| Illinois | 16 | 7.9% |
| Kentucky | 14 | 6.9% |
| Virginia | 14 | 6.9% |
| Iowa | 10 | 5.0% |
| Alabama | 9 | 4.5% |
| Oklahoma | 8 | 4.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Washington | 26 |
| St. Louis | 15 |
| Arlington-Alexandria-Reston | 14 |
| Cincinnati | 7 |
| Indianapolis-Carmel-Greenwood | 7 |
| Chicago-Naperville-Schaumburg | 6 |
| Columbus | 6 |
| Des Moines-West Des Moines | 5 |
| Kansas City | 5 |
| Springfield | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900UD8AEXTVCVAF72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 524775 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53140 | 1991–2017 |
Established 1 January 1939. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Transportation Federal Credit Union's data.
Transportation Federal Credit Union's data
$215
Transportation 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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