Credit Union Mortgage Association in Virginia vs the state
4.6%Denial rate-11.36 pts vs state
7.3%Decision denial rate-12.93 pts vs state
57.5%Origination rate-2.01 pts vs state
5.88%Median rate-0.75 pts vs state
-0.52Rate spread (pts)-0.74 pts vs state
$161kMedian applicant income
226Loans originated
18Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 339 | 199 | 9.1% | 5.75% | #136 |
| 2024 | 302 | 157 | 9.9% | 6.00% | #155 |
| 2025 | 393 | 226 | 4.6% | 5.88% | #130 |
What Credit Union Mortgage Association lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Credit Union Mortgage Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 83 | 53 | 2 | 2.4% |
| Loudoun County | 38 | 22 | 1 | 2.6% |
| Henrico County | 38 | 20 | 2 | 5.3% |
| Arlington County | 36 | 22 | 0 | 0.0% |
| Alexandria city | 26 | 14 | 0 | 0.0% |
| Prince William County | 19 | 11 | 0 | 0.0% |
| Richmond city | 18 | 7 | 5 | 27.8% |
| Chesterfield County | 12 | 6 | 1 | 8.3% |
| Warren County | 10 | 6 | 1 | 10.0% |
| King George County | 8 | 6 | 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: 393 applications in 2025, of which 226 were originated and 18 denied.
4.6% of all applications, or 7.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Credit Union Mortgage Association originated in Virginia in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Credit Union Mortgage Association'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