Appalachian Community Federal Credit Union in Virginia vs the state
10.7%Denial rate-5.23 pts vs state
16.7%Decision denial rate-3.58 pts vs state
53.6%Origination rate-5.95 pts vs state
—Median rate
—Rate spread (pts)
$72kMedian applicant income
30Loans originated
6Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 32 | 24.0% | — | #365 |
| 2024 | 75 | 47 | 13.3% | — | #314 |
| 2025 | 56 | 30 | 10.7% | — | #361 |
What Appalachian Community Federal Credit Union lends in Virginia
By loan purpose
By loan type
Where in Virginia
Counties with the most Appalachian Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wise County | 28 | 17 | 3 | 10.7% |
| Scott County | 9 | 3 | 0 | 0.0% |
| Dickenson County | 8 | 2 | 1 | 12.5% |
| Washington County | 6 | 6 | 0 | 0.0% |
| Lee County | 2 | 1 | 1 | 50.0% |
| Smyth County | 1 | 1 | 0 | 0.0% |
| Russell County | 1 | 0 | 0 | 0.0% |
| Norton city | 1 | 0 | 1 | 100.0% |
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: 56 applications in 2025, of which 30 were originated and 6 denied.
10.7% of all applications, or 16.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Appalachian Community 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