Bank-Fund Staff Federal Credit Union
Bank-Fund Staff Federal Credit Union received 1,591 applications in 2025 and made 1,166 mortgages, in 195 counties across 43 states. The median rate its borrowers got was 6.500% on a median loan of $305,000. Of 1,371 decisions, 166 were denials — 12.1%, most often for debt-to-income ratio. 470 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | HIDXEG9BLUJZKBGUT764 |
|---|---|
| Applications received | 1,591 |
| Mortgages made | 1,166 |
| Denied | 166 |
| Approved, not taken up | 39 |
| Withdrawn or incomplete | 220 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.13 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 484 | 5.875% | $555,000 | 4.0% |
| Refinancing | 55 | 5.625% | $655,000 | 46.7% |
| Cash-out refinancing | 627 | 6.750% | $205,000 | 12.9% |
Where Bank-Fund Staff Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, MD | 295 | 6.500% | 9.6% |
| District of Columbia, DC | 220 | 6.500% | 9.9% |
| Fairfax County, VA | 201 | 6.500% | 12.2% |
| Loudoun County, VA | 55 | 6.500% | 9.7% |
| Arlington County, VA | 52 | 6.500% | 8.6% |
| Prince George's County, MD | 34 | 6.750% | 21.7% |
| Prince William County, VA | 27 | 6.500% | 12.1% |
| Alexandria city, VA | 16 | 6.500% | 23.8% |
| Howard County, MD | 10 | 6.813% | 16.7% |
| Los Angeles County, CA | 8 | Under 10 loans | 18.2% |
| Baltimore city, MD | 8 | Under 10 loans | 30.8% |
| Sussex County, DE | 7 | Under 10 loans | 0.0% |
| Fairfax city, VA | 7 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 5 | Under 10 loans | 16.7% |
| Cook County, IL | 5 | Under 10 loans | 16.7% |
| Anne Arundel County, MD | 5 | Under 10 loans | 16.7% |
| Henrico County, VA | 5 | Under 10 loans | 0.0% |
| Stafford County, VA | 5 | Under 10 loans | 0.0% |
| Frederick County, MD | 4 | Under 10 loans | 20.0% |
| Suffolk County, MA | 4 | Under 10 loans | 20.0% |
| Falls Church city, VA | 4 | Under 10 loans | 0.0% |
| Marin County, CA | 3 | Under 10 loans | 0.0% |
| San Diego County, CA | 3 | Under 10 loans | 0.0% |
| Collier County, FL | 3 | Under 10 loans | 0.0% |
| DeKalb County, GA | 3 | Under 10 loans | 0.0% |
| Calvert County, MD | 3 | Under 10 loans | 0.0% |
| Barnstable County, MA | 3 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 3 | Under 10 loans | 0.0% |
| Travis County, TX | 3 | Under 10 loans | 25.0% |
| Spotsylvania County, VA | 3 | Under 10 loans | 0.0% |
| Virginia Beach city, VA | 3 | Under 10 loans | 0.0% |
| King County, WA | 3 | Under 10 loans | 0.0% |
| Jefferson County, WV | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Alameda County, CA | 2 | Under 10 loans | 0.0% |
| Boulder County, CO | 2 | Under 10 loans | 0.0% |
| Denver County, CO | 2 | Under 10 loans | 0.0% |
| Douglas County, CO | 2 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 2 | Under 10 loans | 0.0% |
| Orange County, FL | 2 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 25.0% |
| St. Lucie County, FL | 2 | Under 10 loans | 33.3% |
| Dallas County, IA | 2 | Under 10 loans | 0.0% |
| Baltimore County, MD | 2 | Under 10 loans | 50.0% |
| Talbot County, MD | 2 | Under 10 loans | 0.0% |
| Middlesex County, MA | 2 | Under 10 loans | 0.0% |
| Norfolk County, MA | 2 | Under 10 loans | 0.0% |
| Ramsey County, MN | 2 | Under 10 loans | 0.0% |
| Bergen County, NJ | 2 | Under 10 loans | 33.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.