State Employees Credit Union of Maryland in Virginia vs the state
30.6%Denial rate+14.70 pts vs state
35.0%Decision denial rate+14.75 pts vs state
56.6%Origination rate-2.95 pts vs state
5.75%Median rate-0.88 pts vs state
-0.55Rate spread (pts)-0.77 pts vs state
$246kMedian applicant income
168Loans originated
91Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 125 | 51 | 37.6% | 6.38% | #239 |
| 2024 | 190 | 115 | 25.3% | 6.24% | #213 |
| 2025 | 297 | 168 | 30.6% | 5.75% | #164 |
What State Employees Credit Union of Maryland lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most State Employees Credit Union of Maryland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Loudoun County | 99 | 51 | 31 | 31.3% |
| Fairfax County | 77 | 43 | 26 | 33.8% |
| Arlington County | 20 | 11 | 5 | 25.0% |
| Prince William County | 17 | 9 | 6 | 35.3% |
| Chesterfield County | 12 | 10 | 1 | 8.3% |
| Henrico County | 7 | 6 | 1 | 14.3% |
| Alexandria city | 6 | 4 | 2 | 33.3% |
| Albemarle County | 5 | 3 | 2 | 40.0% |
| Falls Church city | 4 | 2 | 2 | 50.0% |
| Stafford County | 4 | 1 | 2 | 50.0% |
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: 297 applications in 2025, of which 168 were originated and 91 denied.
30.6% of all applications, or 35.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans State Employees Credit Union of Maryland originated in Virginia in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are State Employees Credit Union of Maryland'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