Apple Federal Credit Union in Virginia vs the state
24.9%Denial rate+8.94 pts vs state
31.3%Decision denial rate+11.02 pts vs state
54.7%Origination rate-4.85 pts vs state
7.49%Median rate+0.87 pts vs state
0.56Rate spread (pts)+0.34 pts vs state
$138kMedian applicant income
1,101Loans originated
501Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,968 | 972 | 29.2% | 8.25% | #37 |
| 2024 | 2,162 | 1,130 | 27.3% | 8.49% | #36 |
| 2025 | 2,014 | 1,101 | 24.9% | 7.49% | #42 |
What Apple Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Apple Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 664 | 386 | 130 | 19.6% |
| Prince William County | 432 | 211 | 135 | 31.3% |
| Loudoun County | 283 | 151 | 73 | 25.8% |
| Frederick County | 104 | 62 | 27 | 26.0% |
| Stafford County | 88 | 45 | 23 | 26.1% |
| Fauquier County | 74 | 46 | 16 | 21.6% |
| Culpeper County | 36 | 14 | 14 | 38.9% |
| Manassas city | 35 | 19 | 11 | 31.4% |
| Warren County | 32 | 19 | 5 | 15.6% |
| Spotsylvania County | 32 | 13 | 13 | 40.6% |
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: 2,014 applications in 2025, of which 1,101 were originated and 501 denied.
24.9% of all applications, or 31.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Apple Federal Credit Union originated in Virginia in 2025 was 7.49%, against a statewide median of 6.63%.
About this data. Figures are Apple 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