Call Federal Credit Union in Virginia vs the state
21.6%Denial rate+5.62 pts vs state
22.6%Decision denial rate+2.33 pts vs state
73.5%Origination rate+13.94 pts vs state
7.25%Median rate+0.63 pts vs state
0.83Rate spread (pts)+0.61 pts vs state
$95kMedian applicant income
310Loans originated
91Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 386 | 265 | 25.9% | 8.00% | #124 |
| 2024 | 346 | 266 | 15.9% | 8.00% | #138 |
| 2025 | 422 | 310 | 21.6% | 7.25% | #125 |
What Call Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Call Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 128 | 121 | 5 | 3.9% |
| Henrico County | 67 | 59 | 4 | 6.0% |
| Hanover County | 52 | 50 | 1 | 1.9% |
| Richmond city | 23 | 23 | 0 | 0.0% |
| King William County | 7 | 7 | 0 | 0.0% |
| Amelia County | 6 | 5 | 1 | 16.7% |
| Prince George County | 6 | 4 | 0 | 0.0% |
| New Kent County | 5 | 5 | 0 | 0.0% |
| Powhatan County | 5 | 5 | 0 | 0.0% |
| Dinwiddie County | 4 | 3 | 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: 422 applications in 2025, of which 310 were originated and 91 denied.
21.6% of all applications, or 22.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Call Federal Credit Union originated in Virginia in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Call 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