Lender in Virginia · HMDA 2025
Virginia Credit Union, Inc. mortgages in Virginia
Virginia Credit Union, Inc.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Virginia Credit Union, Inc. originated 1,161 owner-occupied single-family loans in Virginia from 1,307 completed applications.
Its median conventional purchase loan costs were $4,290 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.50% (Virginia: 6.625%).
Loans in VA
1,161
of 1,307 applications
Denial rate
7.8%
Purchase · VA 6.9%
Rate spread
−0.03 pts
Conv. · VA +0.10 pts
Loan amount
$305,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 893 | 823 | 7.8% | 6.500% | −0.03 pts | $4,290 | $305,000 |
| Refinance | 143 | 122 | 14.0% | 6.375% | +0.04 pts | $4,220 | $305,000 |
| Cash-out refinance | 271 | 216 | 20.3% | 6.750% | +0.38 pts | $3,540 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Virginia Credit Union, Inc. ranks in the top 25
Showing the 30 counties where it ranks highest, of 54.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Amelia County | 2 | 13 | 6.6% |
| Richmond city | 3 | 113 | 4.5% |
| Buckingham County | 3 | 7 | 4.3% |
| Mecklenburg County | 4 | 11 | 3.6% |
| Prince Edward County | 4 | 11 | 5.4% |
| Colonial Heights city | 4 | 11 | 4.0% |
| King and Queen County | 4 | 6 | 5.6% |
| Emporia city | 4 | 3 | 6.4% |
| Henrico County | 5 | 207 | 4.1% |
| Dinwiddie County | 5 | 20 | 4.3% |
| Nottoway County | 5 | 8 | 4.6% |
| Cumberland County | 5 | 5 | 3.2% |
| Craig County | 5 | 2 | 2.7% |
| Chesterfield County | 6 | 224 | 3.2% |
| Hanover County | 6 | 63 | 3.4% |
| Powhatan County | 6 | 22 | 3.9% |
| Goochland County | 6 | 21 | 3.9% |
| Petersburg city | 6 | 15 | 3.1% |
| Charlotte County | 6 | 4 | 5.4% |
| King William County | 7 | 15 | 3.4% |
| Roanoke County | 8 | 36 | 2.3% |
| Salem city | 8 | 9 | 2.6% |
| Essex County | 9 | 4 | 2.5% |
| Louisa County | 10 | 20 | 2.2% |
| Grayson County | 10 | 3 | 2.1% |
| Franklin County | 11 | 16 | 2.5% |
| Prince George County | 11 | 10 | 2.0% |
| Sussex County | 11 | 3 | 3.2% |
| Bland County | 11 | 1 | 2.6% |
| Roanoke city | 12 | 25 | 2.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology