Topside Federal Credit Union
Topside Federal Credit Union received 154 applications in 2025 and made 75 mortgages, in 20 counties across 2 states. The median rate its borrowers got was 8.000% on a median loan of $75,000. Of 133 decisions, 56 were denials — 42.1%, most often for other.
| Legal Entity Identifier | 549300CWXIPLEXBPNY95 |
|---|---|
| Applications received | 154 |
| Mortgages made | 75 |
| Denied | 56 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 21 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.368 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 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Other purposes | 72 | 8.000% | $65,000 | 41.7% |
Where Topside Federal Credit Union lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| King George County, VA | 29 | 8.000% | 34.1% |
| Spotsylvania County, VA | 15 | 8.250% | 34.8% |
| Stafford County, VA | 10 | 7.500% | 15.4% |
| Westmoreland County, VA | 7 | Under 10 loans | 55.6% |
| Caroline County, VA | 6 | Under 10 loans | 60.0% |
| Fredericksburg city, VA | 4 | Under 10 loans | 20.0% |
| Culpeper County, VA | 1 | Under 10 loans | 0.0% |
| Grayson County, VA | 1 | Under 10 loans | 0.0% |
| Hanover County, VA | 1 | Under 10 loans | 0.0% |
| Lancaster County, VA | 1 | Under 10 loans | 0.0% |
| Baltimore County, MD | 0 | Under 10 loans | Not published |
| Charles County, MD | 0 | Under 10 loans | 100.0% |
| Essex County, VA | 0 | Under 10 loans | 100.0% |
| Greene County, VA | 0 | Under 10 loans | Not published |
| Henrico County, VA | 0 | Under 10 loans | 100.0% |
| Montgomery County, VA | 0 | Under 10 loans | Not published |
| Orange County, VA | 0 | Under 10 loans | 100.0% |
| Richmond County, VA | 0 | Under 10 loans | 100.0% |
| Chesapeake city, VA | 0 | Under 10 loans | 100.0% |
| Lynchburg city, VA | 0 | Under 10 loans | 100.0% |
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When Topside Federal Credit Union’s figures are published for the next year, or restated.
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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.