Applications / Mortgage Analytics / Lenders / Virginia / USSFCU
Alexandria, VA · Credit union · NCUA · $1.5 billion assets · 344 loans in 2025
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344
loans originated, 2025
525
applications, 2025
35
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
USSFCU barely finances home purchases: more than nine in ten of its loans are for home improvement or other purposes, made to members in 35 states.
Home improvement made up 55.2% of its loans in 2025 and other purposes 37.2%. Purchases were 0.6%. That makes it a lender to people who already own their homes, spread across 91 metros though centered on Virginia. Its typical loan, $135,000, was larger than at about seven in ten similar lenders (credit unions making between half and twice as many loans).
It made 344 loans, up 7%, the same as similar lenders and a little below the whole market's 10%. That remains well below the 611 of 2019, its busiest year since 2018.
Low- and moderate-income (LMI) borrowers took 11.7% of its loans, against 27.5% at the typical peer, lower than at almost all of them. The share has risen from 4.6% five years before. Lending to existing homeowners may tilt it toward higher earners. Majority-minority neighborhoods took 32.6% of its loans, against 12.1%, more than at about three-quarters of peers.
Its typical rate was 7.50%, against 6.99% at similar lenders, higher than at about seven in ten. Home-improvement and other loans often carry higher rates than first mortgages, which may account for the difference. Only 0.9% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. USSFCU took 525 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 55.2% · Other 37.2% · Refinance 7.0% · Purchase 0.6%
Conventional 100.0% · of 344 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 | 70 | 20.3% |
| California | 55 | 16.0% |
| Maryland | 52 | 15.1% |
| District of Columbia | 21 | 6.1% |
| Florida | 21 | 6.1% |
| Arizona | 13 | 3.8% |
| North Carolina | 12 | 3.5% |
| Georgia | 11 | 3.2% |
| Pennsylvania | 11 | 3.2% |
| New Jersey | 8 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 60 |
| Washington | 40 |
| Riverside-San Bernardino-Ontario | 18 |
| Frederick-Gaithersburg-Bethesda | 16 |
| Baltimore-Columbia-Towson | 15 |
| Phoenix-Mesa-Chandler | 11 |
| Los Angeles-Long Beach-Glendale | 9 |
| Fort Lauderdale-Pompano Beach-Sunrise | 6 |
| Charlotte-Concord-Gastonia | 5 |
| Marietta | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TULDV69V2XKY60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 978471 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5624 | 1991–2017 |
Established 1 January 1935. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: USSFCU's data.
USSFCU's data
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