Service Federal Credit Union in Virginia vs the state
23.2%Denial rate+7.27 pts vs state
33.3%Decision denial rate+13.08 pts vs state
44.6%Origination rate-14.88 pts vs state
5.88%Median rate-0.75 pts vs state
-0.51Rate spread (pts)-0.73 pts vs state
$214kMedian applicant income
25Loans originated
13Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 29 | 32.1% | 6.25% | #354 |
| 2024 | 39 | 17 | 38.5% | 6.88% | #399 |
| 2025 | 56 | 25 | 23.2% | 5.88% | #360 |
What Service Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Loudoun County | 13 | 7 | 1 | 7.7% |
| Fairfax County | 8 | 2 | 2 | 25.0% |
| Prince William County | 7 | 3 | 1 | 14.3% |
| Newport News city | 4 | 2 | 1 | 25.0% |
| Virginia Beach city | 3 | 2 | 0 | 0.0% |
| Chesterfield County | 3 | 0 | 2 | 66.7% |
| Alexandria city | 3 | 1 | 0 | 0.0% |
| Stafford County | 3 | 3 | 0 | 0.0% |
| Isle of Wight County | 2 | 1 | 1 | 50.0% |
| Craig County | 1 | 0 | 1 | 100.0% |
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: 56 applications in 2025, of which 25 were originated and 13 denied.
23.2% of all applications, or 33.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Service Federal Credit Union originated in Virginia in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Service 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