Argent Federal Credit Union in Virginia vs the state
18.5%Denial rate+2.58 pts vs state
24.8%Decision denial rate+4.50 pts vs state
56.3%Origination rate-3.22 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
76Loans originated
25Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 138 | 76 | 31.2% | — | #227 |
| 2024 | 118 | 68 | 23.7% | — | #260 |
| 2025 | 135 | 76 | 18.5% | — | #254 |
What Argent Federal Credit Union lends in Virginia
By loan purpose
By loan type
Where in Virginia
Counties with the most Argent Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 64 | 36 | 10 | 15.6% |
| Henrico County | 21 | 9 | 5 | 23.8% |
| Richmond city | 13 | 9 | 3 | 23.1% |
| Hanover County | 7 | 4 | 2 | 28.6% |
| Colonial Heights city | 5 | 2 | 2 | 40.0% |
| Powhatan County | 5 | 4 | 0 | 0.0% |
| Dinwiddie County | 3 | 1 | 1 | 33.3% |
| Amelia County | 3 | 2 | 1 | 33.3% |
| Sussex County | 2 | 1 | 1 | 50.0% |
| Louisa County | 2 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 135 applications in 2025, of which 76 were originated and 25 denied.
18.5% of all applications, or 24.8% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Argent Federal Credit Union's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology