Utilities Employees Credit Union in Virginia vs the state
4.6%Denial rate-11.39 pts vs state
7.7%Decision denial rate-12.56 pts vs state
54.6%Origination rate-4.97 pts vs state
6.50%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.13 pts vs state
$129kMedian applicant income
12Loans originated
1Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 10 | 0.0% | 6.81% | #553 |
| 2024 | 10 | 8 | 0.0% | 6.87% | #568 |
| 2025 | 22 | 12 | 4.6% | 6.50% | #479 |
What Utilities Employees Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Utilities Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New Kent County | 1 | 0 | 0 | 0.0% |
| Appomattox 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: 22 applications in 2025, of which 12 were originated and 1 denied.
4.6% of all applications, or 7.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Utilities Employees Credit Union originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Utilities Employees 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