National Institutes of Health Federal Credit Union in Virginia vs the state
21.4%Denial rate+5.49 pts vs state
28.6%Decision denial rate+8.32 pts vs state
53.6%Origination rate-5.95 pts vs state
5.74%Median rate-0.88 pts vs state
-0.19Rate spread (pts)-0.41 pts vs state
$226kMedian applicant income
15Loans originated
6Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 18 | 16.7% | 6.12% | #427 |
| 2024 | 38 | 23 | 13.2% | 6.50% | #402 |
| 2025 | 28 | 15 | 21.4% | 5.74% | #452 |
What National Institutes of Health Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most National Institutes of Health Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 12 | 7 | 2 | 16.7% |
| Loudoun County | 6 | 2 | 2 | 33.3% |
| Prince William County | 3 | 3 | 0 | 0.0% |
| Arlington County | 2 | 1 | 0 | 0.0% |
| Spotsylvania County | 2 | 1 | 1 | 50.0% |
| Henrico County | 2 | 1 | 0 | 0.0% |
| Frederick County | 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: 28 applications in 2025, of which 15 were originated and 6 denied.
21.4% of all applications, or 28.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans National Institutes of Health Federal Credit Union originated in Virginia in 2025 was 5.74%, against a statewide median of 6.63%.
About this data. Figures are National Institutes of Health 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