Lender profile · HMDA 2023–2025
Virginia Federal Credit Union mortgage approval rates & lending data
Virginia Federal Credit Union decided 6,499 mortgage applications and funded 4,813 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 1,639 / 1,778 | 100% | $315K | 1,636 |
| Home improvement loans | 65% | 2,080 / 3,187 | 98% | $65K | 2,046 |
| Cash-out refinance | 75% | 935 / 1,253 | 98% | $105K | 921 |
| Refinance | 75% | 123 / 164 | 99% | $245K | 122 |
| Investment property purchase | 90% | 36 / 40 | 100% | $395K | 36 |
| Investment cash-out refinance | 80% | 35 / 44 | 100% | $75K | 35 |
Virginia Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 75% | $105K | 6,482 | 4,803 |
| Georgia | 60% | $465K | 5 | 3 |
| North Carolina | 60% | $405K | 5 | 3 |
| Tennessee | 50% | $35K | 4 | 1 |
| Ohio | 100% | $375K | 3 | 3 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.