United States Senate Federal Credit Union in Virginia vs the state
6.2%Denial rate-9.75 pts vs state
6.5%Decision denial rate-13.73 pts vs state
72.2%Origination rate+12.64 pts vs state
7.50%Median rate+0.88 pts vs state
0.26Rate spread (pts)+0.04 pts vs state
$208kMedian applicant income
70Loans originated
6Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 94 | 79 | 3.2% | 7.50% | #273 |
| 2024 | 87 | 61 | 10.3% | 8.50% | #296 |
| 2025 | 97 | 70 | 6.2% | 7.50% | #292 |
What United States Senate Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most United States Senate Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 38 | 29 | 2 | 5.3% |
| Alexandria city | 15 | 12 | 1 | 6.7% |
| Arlington County | 9 | 7 | 0 | 0.0% |
| Loudoun County | 8 | 4 | 0 | 0.0% |
| Prince William County | 4 | 2 | 0 | 0.0% |
| Stafford County | 3 | 3 | 0 | 0.0% |
| Richmond city | 3 | 2 | 1 | 33.3% |
| Fauquier County | 3 | 1 | 1 | 33.3% |
| Fredericksburg city | 2 | 1 | 0 | 0.0% |
| Chesterfield County | 2 | 2 | 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: 97 applications in 2025, of which 70 were originated and 6 denied.
6.2% of all applications, or 6.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans United States Senate Federal Credit Union originated in Virginia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are United States Senate 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