Lafayette Federal Credit Union in Virginia vs the state
15.8%Denial rate-0.12 pts vs state
17.6%Decision denial rate-2.64 pts vs state
72.3%Origination rate+12.80 pts vs state
7.50%Median rate+0.88 pts vs state
0.40Rate spread (pts)+0.18 pts vs state
$215kMedian applicant income
128Loans originated
28Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 54 | 18.2% | 8.25% | #296 |
| 2024 | 138 | 87 | 18.8% | 9.00% | #238 |
| 2025 | 177 | 128 | 15.8% | 7.50% | #216 |
What Lafayette Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Lafayette Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 67 | 47 | 10 | 14.9% |
| Prince William County | 25 | 19 | 5 | 20.0% |
| Loudoun County | 24 | 16 | 4 | 16.7% |
| Arlington County | 10 | 8 | 1 | 10.0% |
| Alexandria city | 7 | 5 | 0 | 0.0% |
| Chesterfield County | 5 | 5 | 0 | 0.0% |
| Stafford County | 5 | 1 | 4 | 80.0% |
| Augusta County | 4 | 4 | 0 | 0.0% |
| Manassas city | 4 | 4 | 0 | 0.0% |
| Henrico County | 3 | 1 | 1 | 33.3% |
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: 177 applications in 2025, of which 128 were originated and 28 denied.
15.8% of all applications, or 17.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Lafayette Federal Credit Union originated in Virginia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Lafayette 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