Lender in Virginia · HMDA 2025
Navy Federal Credit Union mortgages in Virginia
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Navy Federal Credit Union originated 3,264 owner-occupied single-family loans in Virginia from 3,847 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $3,670 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
3,264
of 3,847 applications
Denial rate
7.9%
Purchase · VA 6.9%
Rate spread
−0.11 pts
Conv. · VA +0.10 pts
Loan amount
$405,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,767 | 2,517 | 7.9% | 6.625% | −0.11 pts | $3,670 | $405,000 |
| Refinance | 449 | 324 | 25.4% | 6.125% | −0.36 pts | $2,310 | $405,000 |
| Cash-out refinance | 631 | 423 | 32.0% | 6.750% | −0.02 pts | $2,080 | $345,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Navy Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 96.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Westmoreland County | 4 | 19 | 4.2% |
| Fredericksburg city | 4 | 14 | 4.5% |
| Buckingham County | 4 | 6 | 3.7% |
| Prince William County | 5 | 228 | 3.4% |
| Alexandria city | 5 | 61 | 3.1% |
| Louisa County | 5 | 28 | 3.1% |
| Manassas city | 5 | 15 | 3.1% |
| Brunswick County | 5 | 4 | 4.3% |
| Richmond County | 5 | 3 | 4.1% |
| Virginia Beach city | 6 | 317 | 4.5% |
| Norfolk city | 6 | 154 | 4.3% |
| Frederick County | 6 | 73 | 3.9% |
| Shenandoah County | 6 | 29 | 4.1% |
| King George County | 6 | 21 | 3.9% |
| Fairfax city | 6 | 14 | 3.5% |
| Williamsburg city | 6 | 6 | 5.4% |
| Fairfax County | 7 | 393 | 3.0% |
| Chesapeake city | 7 | 240 | 4.8% |
| Spotsylvania County | 7 | 112 | 3.7% |
| Stafford County | 7 | 107 | 3.5% |
| York County | 7 | 43 | 3.9% |
| Warren County | 7 | 24 | 3.3% |
| Winchester city | 7 | 12 | 3.4% |
| Henry County | 7 | 10 | 2.4% |
| Lunenburg County | 7 | 3 | 2.8% |
| Suffolk city | 8 | 87 | 3.5% |
| Newport News city | 8 | 82 | 3.3% |
| Portsmouth city | 8 | 81 | 3.9% |
| Hampton city | 8 | 74 | 3.0% |
| Fauquier County | 8 | 34 | 2.8% |
- Navy Federal Credit Union nationwide
- Virginia mortgage market
- Navy Federal Credit Union in Florida
- Navy Federal Credit Union in Texas
- Navy Federal Credit Union in North Carolina
- Navy Federal Credit Union in Georgia
- Navy Federal Credit Union in Maryland
- Navy Federal Credit Union in California
- Navy Federal Credit Union in South Carolina
- Navy Federal Credit Union in Pennsylvania
- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
- Navy Federal Credit Union in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology