State Department Federal Credit Union in Virginia vs the state
16.6%Denial rate+0.62 pts vs state
22.9%Decision denial rate+2.66 pts vs state
54.1%Origination rate-5.38 pts vs state
7.00%Median rate+0.38 pts vs state
-0.28Rate spread (pts)-0.50 pts vs state
$172kMedian applicant income
170Loans originated
52Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 289 | 177 | 22.8% | 7.25% | #152 |
| 2024 | 299 | 183 | 17.4% | 7.50% | #158 |
| 2025 | 314 | 170 | 16.6% | 7.00% | #156 |
What State Department Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most State Department Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 119 | 66 | 13 | 10.9% |
| Arlington County | 42 | 27 | 7 | 16.7% |
| Alexandria city | 27 | 15 | 1 | 3.7% |
| Prince William County | 22 | 8 | 6 | 27.3% |
| Loudoun County | 20 | 13 | 5 | 25.0% |
| Stafford County | 11 | 4 | 4 | 36.4% |
| Falls Church city | 7 | 4 | 1 | 14.3% |
| Henrico County | 5 | 2 | 1 | 20.0% |
| Chesterfield County | 5 | 4 | 0 | 0.0% |
| Fauquier County | 4 | 4 | 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: 314 applications in 2025, of which 170 were originated and 52 denied.
16.6% of all applications, or 22.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans State Department Federal Credit Union originated in Virginia in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are State Department 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