Allegacy Federal Credit Union in Virginia vs the state
17.5%Denial rate+1.56 pts vs state
26.9%Decision denial rate+6.67 pts vs state
47.5%Origination rate-12.02 pts vs state
5.75%Median rate-0.88 pts vs state
-1.36Rate spread (pts)-1.58 pts vs state
$144kMedian applicant income
19Loans originated
7Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 22 | 10.5% | 1.99% | #393 |
| 2024 | 42 | 23 | 21.4% | 5.75% | #389 |
| 2025 | 40 | 19 | 17.5% | 5.75% | #402 |
What Allegacy Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Allegacy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carroll County | 11 | 5 | 3 | 27.3% |
| Fairfax County | 6 | 0 | 1 | 16.7% |
| Chesterfield County | 3 | 1 | 0 | 0.0% |
| Henry County | 2 | 1 | 0 | 0.0% |
| Pittsylvania County | 2 | 1 | 0 | 0.0% |
| Patrick County | 2 | 0 | 1 | 50.0% |
| Botetourt County | 1 | 1 | 0 | 0.0% |
| Prince William County | 1 | 0 | 0 | 0.0% |
| Appomattox County | 1 | 1 | 0 | 0.0% |
| Spotsylvania County | 1 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 40 applications in 2025, of which 19 were originated and 7 denied.
17.5% of all applications, or 26.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Allegacy Federal Credit Union originated in Virginia in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Allegacy Federal Credit Union's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology