Everence Federal Credit Union in Virginia vs the state
40.0%Denial rate+24.06 pts vs state
42.9%Decision denial rate+22.61 pts vs state
53.3%Origination rate-6.19 pts vs state
5.49%Median rate-1.13 pts vs state
-0.53Rate spread (pts)-0.75 pts vs state
$96kMedian applicant income
8Loans originated
6Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 6 | 33.3% | 5.81% | #577 |
| 2024 | 26 | 17 | 26.9% | 7.25% | #450 |
| 2025 | 15 | 8 | 40.0% | 5.49% | #532 |
What Everence Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Everence Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rockingham County | 6 | 2 | 3 | 50.0% |
| Harrisonburg city | 4 | 3 | 1 | 25.0% |
| Hanover County | 1 | 1 | 0 | 0.0% |
| Martinsville city | 1 | 0 | 1 | 100.0% |
| Staunton city | 1 | 1 | 0 | 0.0% |
| Fairfax County | 1 | 1 | 0 | 0.0% |
| Waynesboro city | 1 | 0 | 1 | 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: 15 applications in 2025, of which 8 were originated and 6 denied.
40.0% of all applications, or 42.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Everence Federal Credit Union originated in Virginia in 2025 was 5.49%, against a statewide median of 6.63%.
About this data. Figures are Everence 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