Empeople Credit Union in Virginia vs the state
29.2%Denial rate+13.23 pts vs state
35.0%Decision denial rate+14.75 pts vs state
54.2%Origination rate-5.35 pts vs state
6.49%Median rate-0.13 pts vs state
-0.33Rate spread (pts)-0.55 pts vs state
$100kMedian applicant income
13Loans originated
7Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 12 | 34.8% | 6.68% | #461 |
| 2024 | 31 | 15 | 29.0% | 6.49% | #426 |
| 2025 | 24 | 13 | 29.2% | 6.49% | #470 |
What Empeople Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carroll County | 4 | 1 | 2 | 50.0% |
| Pittsylvania County | 3 | 2 | 0 | 0.0% |
| Alexandria city | 2 | 1 | 1 | 50.0% |
| Loudoun County | 2 | 2 | 0 | 0.0% |
| Fairfax County | 1 | 1 | 0 | 0.0% |
| Frederick County | 1 | 0 | 1 | 100.0% |
| Henrico County | 1 | 1 | 0 | 0.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Powhatan County | 1 | 0 | 1 | 100.0% |
| Mecklenburg 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 13 were originated and 7 denied.
29.2% of all applications, or 35.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Empeople Credit Union originated in Virginia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Empeople 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