Call Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
15th22.6% deniedPricingmedian rate spread over APOR, weight 30%
15th0.83 ptsProcesswithdrawn + incomplete share, weight 15%
78th5.0%Closing coststotal loan costs ÷ loan amount, weight 10%
96th0.38% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 392 | 267 | 25.8% | 27.2% | 8.00% | $22M |
| 2024 | 352 | 268 | 15.6% | 16.9% | 8.00% | $23M |
| 2025 | 424 | 310 | 21.5% | 22.6% | 7.25% | $29M |
What Call Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 129 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 10 investment properties.
Why Call Federal Credit Union denies applications
Primary reason reported for each of the 91 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Call Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 55 | 27 | 39.1% |
| $50k – $100k | 169 | 124 | 22.8% |
| $100k – $150k | 99 | 75 | 21.1% |
| $150k – $250k | 85 | 71 | 15.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 26 | 17 | 32.0% |
| 35–44 | 84 | 61 | 20.5% |
| 45–54 | 71 | 52 | 22.4% |
| 55–64 | 94 | 70 | 22.2% |
| 65–74 | 110 | 82 | 22.4% |
| Over 74 | 37 | 26 | 23.5% |
Where Call Federal Credit Union lends
2 states and 32 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Virginia | 422 | 310 | 21.6% | 7.25% | #125 |
Frequently asked questions
Call Federal Credit Union denied 22.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
The most common reason Call Federal Credit Union gave in 2025 was "credit history", cited on 38.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Call Federal Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.83 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 5% of its applications were for home purchases, 11% for refinancing (including cash-out), and 84% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.