Together Credit Union in Virginia vs the state
13.3%Denial rate-2.61 pts vs state
14.3%Decision denial rate-5.96 pts vs state
80.0%Origination rate+20.48 pts vs state
8.25%Median rate+1.63 pts vs state
0.98Rate spread (pts)+0.76 pts vs state
$131kMedian applicant income
12Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 15 | 24.0% | 6.00% | #450 |
| 2024 | 28 | 14 | 25.0% | 8.50% | #439 |
| 2025 | 15 | 12 | 13.3% | 8.25% | #530 |
What Together Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Together Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| James City County | 3 | 3 | 0 | 0.0% |
| New Kent County | 2 | 1 | 0 | 0.0% |
| Henrico County | 2 | 2 | 0 | 0.0% |
| Hampton city | 1 | 1 | 0 | 0.0% |
| Chesapeake city | 1 | 1 | 0 | 0.0% |
| Portsmouth city | 1 | 1 | 0 | 0.0% |
| Gloucester County | 1 | 1 | 0 | 0.0% |
| Newport News city | 1 | 0 | 1 | 100.0% |
| Middlesex County | 1 | 1 | 0 | 0.0% |
| Alexandria 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 12 were originated and 2 denied.
13.3% of all applications, or 14.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Together Credit Union originated in Virginia in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Together 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