University of Virginia Community Credit Union in Virginia vs the state
19.8%Denial rate+3.84 pts vs state
25.3%Decision denial rate+5.08 pts vs state
56.7%Origination rate-2.82 pts vs state
—Median rate
—Rate spread (pts)
$119kMedian applicant income
923Loans originated
322Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 868 | 499 | 24.4% | — | #73 |
| 2024 | 1,419 | 798 | 21.9% | — | #54 |
| 2025 | 1,628 | 923 | 19.8% | — | #53 |
What University of Virginia Community Credit Union lends in Virginia
By loan purpose
By loan type
Where in Virginia
Counties with the most University of Virginia Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Albemarle County | 522 | 310 | 91 | 17.4% |
| Fluvanna County | 160 | 104 | 26 | 16.3% |
| Louisa County | 143 | 78 | 31 | 21.7% |
| Charlottesville city | 129 | 74 | 26 | 20.2% |
| Orange County | 115 | 61 | 30 | 26.1% |
| Culpeper County | 104 | 57 | 25 | 24.0% |
| Greene County | 83 | 46 | 9 | 10.8% |
| Nelson County | 66 | 37 | 18 | 27.3% |
| Madison County | 53 | 30 | 10 | 18.9% |
| Fauquier County | 37 | 18 | 10 | 27.0% |
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: 1,628 applications in 2025, of which 923 were originated and 322 denied.
19.8% of all applications, or 25.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are University of Virginia Community 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