Credit Human Federal Credit Union in Virginia vs the state
76.5%Denial rate+60.53 pts vs state
76.5%Decision denial rate+56.22 pts vs state
5.9%Origination rate-53.64 pts vs state
9.30%Median rate+2.68 pts vs state
2.73Rate spread (pts)+2.51 pts vs state
$67kMedian applicant income
7Loans originated
91Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 4 | 91.8% | 7.30% | #251 |
| 2024 | 147 | 7 | 87.8% | 8.30% | #232 |
| 2025 | 119 | 7 | 76.5% | 9.30% | #270 |
What Credit Human Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 14 | 1 | 12 | 85.7% |
| Tazewell County | 11 | 0 | 10 | 90.9% |
| Buchanan County | 11 | 1 | 8 | 72.7% |
| Russell County | 10 | 0 | 8 | 80.0% |
| Washington County | 10 | 0 | 9 | 90.0% |
| Wise County | 9 | 0 | 9 | 100.0% |
| Frederick County | 8 | 1 | 6 | 75.0% |
| Dickenson County | 8 | 0 | 6 | 75.0% |
| Scott County | 6 | 0 | 6 | 100.0% |
| Smyth County | 3 | 0 | 3 | 100.0% |
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: 119 applications in 2025, of which 7 were originated and 91 denied.
76.5% of all applications, or 76.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Credit Human Federal Credit Union originated in Virginia in 2025 was 9.30%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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