BRONCO Federal Credit Union in Virginia vs the state
20.0%Denial rate+4.06 pts vs state
21.7%Decision denial rate+1.42 pts vs state
72.3%Origination rate+12.79 pts vs state
6.99%Median rate+0.37 pts vs state
0.71Rate spread (pts)+0.49 pts vs state
$96kMedian applicant income
94Loans originated
26Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 86 | 17.7% | 5.99% | #242 |
| 2024 | 109 | 95 | 10.1% | 6.99% | #267 |
| 2025 | 130 | 94 | 20.0% | 6.99% | #260 |
What BRONCO Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most BRONCO Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Southampton County | 65 | 52 | 10 | 15.4% |
| Suffolk city | 20 | 15 | 4 | 20.0% |
| Franklin city | 15 | 4 | 9 | 60.0% |
| Isle of Wight County | 14 | 11 | 2 | 14.3% |
| Chesapeake city | 6 | 3 | 1 | 16.7% |
| Henrico County | 2 | 2 | 0 | 0.0% |
| Portsmouth city | 1 | 0 | 0 | 0.0% |
| Virginia Beach city | 1 | 1 | 0 | 0.0% |
| Hampton city | 1 | 1 | 0 | 0.0% |
| Emporia city | 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: 130 applications in 2025, of which 94 were originated and 26 denied.
20.0% of all applications, or 21.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans BRONCO Federal Credit Union originated in Virginia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are BRONCO 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