LANGLEY Federal Credit Union in Virginia vs the state
20.0%Denial rate+4.10 pts vs state
21.1%Decision denial rate+0.83 pts vs state
74.7%Origination rate+15.13 pts vs state
6.99%Median rate+0.37 pts vs state
0.76Rate spread (pts)+0.54 pts vs state
$108kMedian applicant income
2,701Loans originated
725Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,638 | 1,860 | 21.3% | 7.49% | #23 |
| 2024 | 2,845 | 2,107 | 21.3% | 7.99% | #24 |
| 2025 | 3,618 | 2,701 | 20.0% | 6.99% | #19 |
What LANGLEY Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most LANGLEY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Newport News city | 488 | 347 | 121 | 24.8% |
| Hampton city | 474 | 340 | 99 | 20.9% |
| Virginia Beach city | 423 | 328 | 80 | 18.9% |
| York County | 279 | 243 | 27 | 9.7% |
| Chesapeake city | 261 | 193 | 56 | 21.5% |
| Norfolk city | 182 | 126 | 46 | 25.3% |
| James City County | 178 | 145 | 22 | 12.4% |
| Gloucester County | 143 | 114 | 19 | 13.3% |
| Isle of Wight County | 116 | 94 | 13 | 11.2% |
| Portsmouth city | 115 | 70 | 38 | 33.0% |
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: 3,618 applications in 2025, of which 2,701 were originated and 725 denied.
20.0% of all applications, or 21.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans LANGLEY Federal Credit Union originated in Virginia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are LANGLEY 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