Lender in Virginia · HMDA 2025
Langley Federal Credit Union mortgages in Virginia
Langley Federal Credit Union's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Langley Federal Credit Union originated 357 owner-occupied single-family loans in Virginia from 390 completed applications.
Its median conventional purchase loan costs were $4,180 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.50% (Virginia: 6.625%).
Loans in VA
357
of 390 applications
Denial rate
5.4%
Purchase · VA 6.9%
Rate spread
−0.14 pts
Conv. · VA +0.10 pts
Loan amount
$305,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 147 | 130 | 5.4% | 6.500% | −0.14 pts | $4,180 | $305,000 |
| Refinance | 177 | 166 | 4.5% | 4.990% | −1.15 pts | $4,180 | $335,000 |
| Cash-out refinance | 66 | 61 | 6.1% | 6.000% | −0.37 pts | $3,770 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Langley Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Poquoson city | 5 | 14 | 4.7% |
| Newport News city | 10 | 49 | 2.0% |
| Gloucester County | 10 | 15 | 2.3% |
| Hampton city | 12 | 38 | 1.5% |
| York County | 12 | 31 | 2.8% |
| Middlesex County | 14 | 3 | 1.7% |
| Mathews County | 14 | 2 | 1.6% |
| James City County | 15 | 24 | 1.8% |
| Isle of Wight County | 15 | 13 | 1.5% |
| Williamsburg city | 16 | 2 | 1.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology