Argent Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
12th24.8% deniedProcesswithdrawn + incomplete share, weight 15%
10th25.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 138 | 76 | 31.2% | 36.1% | — | $7.0M |
| 2024 | 118 | 68 | 23.7% | 29.2% | — | $15M |
| 2025 | 135 | 76 | 18.5% | 24.8% | — | $14M |
What Argent Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 1 investment properties.
Who gets approved at Argent Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 9 | 47.1% |
| $50k – $100k | 44 | 25 | 32.4% |
| $100k – $150k | 29 | 21 | 8.7% |
| $150k – $250k | 26 | 19 | 13.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 25 | 14 | 22.2% |
| 45–54 | 28 | 15 | 34.8% |
| 55–64 | 27 | 15 | 25.0% |
| 65–74 | 30 | 19 | 13.6% |
Where Argent Federal Credit Union lends
1 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Virginia | 135 | 76 | 18.5% | — | #254 |
Frequently asked questions
Argent Federal Credit Union denied 24.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 12th percentile of small mortgage lenders.
In 2025, 13% of its applications were for home purchases, 38% for refinancing (including cash-out), and 50% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.