Tammy Hughes, XCO

Tammy Hughes brings heart, grit, and decades of life experience to her role at Union Square. A Virginia native and the youngest of six, Tammy grew up inspired by her father—a WWII medic—and a deep-rooted sense of service that guides her to this day.

Originally drawn to mortgage as a second career, she quickly found her stride in the ever-evolving world of lending. “No two days—and no two loans—are the same,” she says. “That’s what keeps me learning and loving it.” Tammy often refers to herself as a loan engineer, always looking for the right way to make things work for members.

Outside of work, she enjoys high-intensity workouts, cheering on her two grown sons (an engineer and a surgical nurse), and being greeted daily by two joyful Labradors. Tammy also gives her time to causes close to her heart—volunteering with special needs kids at her church and supporting women through a local rehabilitation program at Faith Refuge.