Lender in Virginia · HMDA 2025
Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union mortgages in Virginia
Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union originated 260 owner-occupied single-family loans in Virginia from 270 completed applications.
Its median conventional purchase loan costs were $3,940 versus $5,610 for all Virginia lenders.
Loans in VA
260
of 270 applications
Denial rate
1.8%
Purchase · VA 6.9%
Rate spread
−0.49 pts
Conv. · VA +0.10 pts
Loan amount
$355,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 221 | 216 | 1.8% | — | −0.49 pts | $3,940 | $355,000 |
| Refinance | 36 | 33 | 8.3% | — | −0.34 pts | $3,160 | $225,000 |
| Cash-out refinance | 13 | 11 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Poquoson city | 8 | 8 | 2.7% |
| Newport News city | 11 | 47 | 1.9% |
| Gloucester County | 11 | 12 | 1.8% |
| Mathews County | 13 | 2 | 1.6% |
| York County | 15 | 21 | 1.9% |
| Hampton city | 16 | 28 | 1.1% |
| James City County | 19 | 19 | 1.4% |
| Isle of Wight County | 23 | 8 | 0.9% |
| Surry County | 23 | 1 | 1.0% |
| Williamsburg city | 23 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology