Celco Community Federal Credit Union in Virginia vs the state
12.5%Denial rate-3.44 pts vs state
14.3%Decision denial rate-5.96 pts vs state
75.0%Origination rate+15.48 pts vs state
8.00%Median rate+1.38 pts vs state
1.24Rate spread (pts)+1.02 pts vs state
$82kMedian applicant income
18Loans originated
3Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 42 | 10.2% | 5.25% | #368 |
| 2024 | 43 | 34 | 4.7% | 7.75% | #388 |
| 2025 | 24 | 18 | 12.5% | 8.00% | #473 |
What Celco Community Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Celco Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Giles County | 21 | 16 | 3 | 14.3% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Carroll County | 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: 24 applications in 2025, of which 18 were originated and 3 denied.
12.5% of all applications, or 14.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Celco Community Federal Credit Union originated in Virginia in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Celco 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