United Nations Federal Credit Union in Virginia vs the state
10.1%Denial rate-5.88 pts vs state
13.6%Decision denial rate-6.64 pts vs state
63.5%Origination rate+3.93 pts vs state
5.75%Median rate-0.88 pts vs state
-0.26Rate spread (pts)-0.48 pts vs state
$257kMedian applicant income
309Loans originated
49Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 495 | 340 | 9.3% | 5.63% | #103 |
| 2024 | 375 | 234 | 5.3% | 6.00% | #131 |
| 2025 | 487 | 309 | 10.1% | 5.75% | #116 |
What United Nations Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most United Nations Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Loudoun County | 249 | 158 | 23 | 9.2% |
| Fairfax County | 87 | 60 | 7 | 8.0% |
| Prince William County | 30 | 19 | 3 | 10.0% |
| Arlington County | 28 | 17 | 2 | 7.1% |
| Henrico County | 14 | 6 | 1 | 7.1% |
| Frederick County | 12 | 7 | 3 | 25.0% |
| Albemarle County | 10 | 7 | 2 | 20.0% |
| Chesterfield County | 10 | 7 | 2 | 20.0% |
| Virginia Beach city | 10 | 8 | 1 | 10.0% |
| Richmond city | 8 | 4 | 1 | 12.5% |
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: 487 applications in 2025, of which 309 were originated and 49 denied.
10.1% of all applications, or 13.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans United Nations Federal Credit Union originated in Virginia in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are United Nations 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