UNIVERSITY Federal Credit Union in Virginia vs the state
0.0%Denial rate-15.94 pts vs state
0.0%Decision denial rate-20.25 pts vs state
88.9%Origination rate+29.37 pts vs state
6.69%Median rate+0.06 pts vs state
0.68Rate spread (pts)+0.46 pts vs state
$275kMedian applicant income
8Loans originated
0Denied
What UNIVERSITY Federal Credit Union lends in Virginia
By loan purpose
By loan type
Where in Virginia
Counties with the most UNIVERSITY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richmond city | 2 | 2 | 0 | 0.0% |
| Hanover County | 2 | 2 | 0 | 0.0% |
| Bedford County | 1 | 0 | 0 | 0.0% |
| Henrico County | 1 | 1 | 0 | 0.0% |
| Brunswick County | 1 | 1 | 0 | 0.0% |
| Shenandoah County | 1 | 1 | 0 | 0.0% |
| Fluvanna County | 1 | 1 | 0 | 0.0% |
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: 9 applications in 2025, of which 8 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans UNIVERSITY Federal Credit Union originated in Virginia in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are UNIVERSITY 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