Lender in Virginia · HMDA 2025
The Federal Savings Bank mortgages in Virginia
The Federal Savings Bank's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
The Federal Savings Bank originated 383 owner-occupied single-family loans in Virginia from 463 completed applications.
Its median conventional purchase loan costs were $5,360 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.75% (Virginia: 6.625%).
Loans in VA
383
of 463 applications
Denial rate
5.0%
Purchase · VA 6.9%
Rate spread
+0.36 pts
Conv. · VA +0.10 pts
Loan amount
$375,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 160 | 151 | 5.0% | 6.750% | +0.36 pts | $5,360 | $375,000 |
| Refinance | 46 | 29 | 32.6% | — | — | — | $415,000 |
| Cash-out refinance | 257 | 203 | 19.1% | — | — | — | $395,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where The Federal Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lexington city | 10 | 1 | 2.5% |
| Pulaski County | 13 | 9 | 2.1% |
| Lee County | 14 | 2 | 1.6% |
| Dinwiddie County | 18 | 7 | 1.5% |
| Caroline County | 20 | 9 | 1.1% |
| Colonial Heights city | 25 | 3 | 1.1% |
- The Federal Savings Bank nationwide
- Virginia mortgage market
- The Federal Savings Bank in Illinois
- The Federal Savings Bank in New York
- The Federal Savings Bank in New Jersey
- The Federal Savings Bank in North Carolina
- The Federal Savings Bank in Pennsylvania
- The Federal Savings Bank in Florida
- The Federal Savings Bank in Georgia
- The Federal Savings Bank in Ohio
- The Federal Savings Bank in California
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology