State Department Federal Credit Union
State Department Federal Credit Union received 1,167 applications in 2025 and made 563 mortgages, in 342 counties across 49 states. The median rate its borrowers got was 6.990% on a median loan of $155,000. Of 881 decisions, 292 were denials — 33.1%, most often for other.
| Legal Entity Identifier | 254900EZRN0CBEP77K34 |
|---|---|
| Applications received | 1,167 |
| Mortgages made | 563 |
| Denied | 292 |
| Approved, not taken up | 26 |
| Withdrawn or incomplete | 286 |
| Loans bought from other lenders | 18 |
| Median rate spread over the prime offer rate | -0.22 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 | 152 | 5.875% | $365,000 | 15.2% |
| Refinancing | 132 | 7.000% | $210,000 | 34.9% |
| Cash-out refinancing | 18 | 5.875% | $275,000 | 40.6% |
| Other purposes | 261 | 7.000% | $105,000 | 39.1% |
Where State Department 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 |
|---|---|---|---|
| Fairfax County, VA | 66 | 6.675% | 16.1% |
| District of Columbia, DC | 38 | 6.990% | 32.2% |
| Montgomery County, MD | 32 | 6.625% | 14.6% |
| Arlington County, VA | 27 | 6.990% | 20.6% |
| Prince George's County, MD | 25 | 7.000% | 57.6% |
| Alexandria city, VA | 15 | 7.000% | 6.3% |
| Loudoun County, VA | 13 | 7.000% | 27.8% |
| Prince William County, VA | 8 | Under 10 loans | 40.0% |
| San Diego County, CA | 7 | Under 10 loans | 33.3% |
| Cook County, IL | 7 | Under 10 loans | 36.4% |
| Frederick County, MD | 7 | Under 10 loans | 22.2% |
| Orange County, CA | 5 | Under 10 loans | 44.4% |
| Baltimore County, MD | 5 | Under 10 loans | 0.0% |
| Harris County, TX | 5 | Under 10 loans | 37.5% |
| Maricopa County, AZ | 4 | Under 10 loans | 50.0% |
| Palm Beach County, FL | 4 | Under 10 loans | 42.9% |
| Calvert County, MD | 4 | Under 10 loans | 33.3% |
| Howard County, MD | 4 | Under 10 loans | 20.0% |
| Clark County, NV | 4 | Under 10 loans | 55.6% |
| Chesterfield County, VA | 4 | Under 10 loans | 0.0% |
| Fauquier County, VA | 4 | Under 10 loans | 0.0% |
| Stafford County, VA | 4 | Under 10 loans | 50.0% |
| Falls Church city, VA | 4 | Under 10 loans | 20.0% |
| Pima County, AZ | 3 | Under 10 loans | 40.0% |
| Los Angeles County, CA | 3 | Under 10 loans | 44.4% |
| Riverside County, CA | 3 | Under 10 loans | 40.0% |
| Broward County, FL | 3 | Under 10 loans | 62.5% |
| Mecklenburg County, NC | 3 | Under 10 loans | 42.9% |
| Wake County, NC | 3 | Under 10 loans | 66.7% |
| Multnomah County, OR | 3 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 3 | Under 10 loans | 25.0% |
| Dorchester County, SC | 3 | Under 10 loans | 25.0% |
| King County, WA | 3 | Under 10 loans | 25.0% |
| Pierce County, WA | 3 | Under 10 loans | 0.0% |
| Alameda County, CA | 2 | Under 10 loans | 66.7% |
| Santa Clara County, CA | 2 | Under 10 loans | 33.3% |
| Denver County, CO | 2 | Under 10 loans | 0.0% |
| El Paso County, CO | 2 | Under 10 loans | 33.3% |
| Orange County, FL | 2 | Under 10 loans | 50.0% |
| Cobb County, GA | 2 | Under 10 loans | 0.0% |
| Fulton County, GA | 2 | Under 10 loans | 33.3% |
| DuPage County, IL | 2 | Under 10 loans | 50.0% |
| Lake County, IL | 2 | Under 10 loans | 33.3% |
| Anne Arundel County, MD | 2 | Under 10 loans | 50.0% |
| Charles County, MD | 2 | Under 10 loans | 66.7% |
| Plymouth County, MA | 2 | Under 10 loans | 0.0% |
| Clare County, MI | 2 | Under 10 loans | 0.0% |
| Ramsey County, MN | 2 | Under 10 loans | 0.0% |
| Belknap County, NH | 2 | Under 10 loans | 33.3% |
| Hillsborough County, NH | 2 | Under 10 loans | 0.0% |
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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.