Park View Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
100th1.7% deniedPricingmedian rate spread over APOR, weight 30%
72nd-0.26 ptsProcesswithdrawn + incomplete share, weight 15%
86th5.6%Closing coststotal loan costs ÷ loan amount, weight 10%
52nd3.06% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 199 | 188 | 1.0% | 1.1% | 7.25% | $29M |
| 2024 | 322 | 281 | 1.9% | 2.1% | 7.50% | $55M |
| 2025 | 126 | 117 | 1.6% | 1.7% | 7.00% | $22M |
What Park View Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 77 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 32 investment properties.
Why Park View Federal Credit Union denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Park View Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 35 | 32 | 0.0% |
| $100k – $150k | 30 | 30 | 0.0% |
| $150k – $250k | 23 | 22 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 21 | 19 | 0.0% |
| 45–54 | 33 | 32 | 3.0% |
Where Park View Federal Credit Union lends
3 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Virginia | 124 | 116 | 1.6% | 7.00% | #262 |
Frequently asked questions
Park View Federal Credit Union denied 1.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 100th percentile of home-equity (HELOC) lenders.
The most common reason Park View Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Park View Federal Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was -0.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 17% of its applications were for home purchases, 32% for refinancing (including cash-out), and 51% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.