Lenders › Uva Community Credit Union › Virginia
Uva Community Credit Union in Virginia
HMDA record for properties in Virginia, calendar year 2024. National record · Virginia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Uva Community Credit Union's 2024 HMDA record for Virginia covers 1,419 applications, 798 of them originated, worth $156m.
Its denial rate in the state was 27.5%, above the Virginia rate of 22.1% across all lenders and compared with the lender's national rate of 27.9%.
Applications in the state were up 63% on 2023.
Compared with the state and the lender's national record
| Measure | In Virginia | Virginia, all lenders | Uva Community Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 27.5% | 22.1% | 27.9% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.5% | — | 15.6% |
| Average originated loan | $195k | $352k | $195k | $329k |
| Home purchase share | 30.2% | 55.8% | 30.2% | 57.0% |
| FHA-insured share | 3.0% | 11.7% | 3.0% | 13.4% |
| VA-guaranteed share | 0.3% | 16.4% | 0.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVirginia, all lenders
Loan purpose and loan type in Virginia
By purpose
Home purchase 30% (241)Home improvement 32% (256)Refinancing 15% (121)Cash-out refinancing 4% (32)Other purpose 19% (148)
By type
Conventional 97% (772)FHA 3% (24)VA 0% (2)
Denial reasons as coded
Share of 311 denials in Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Albemarle County | 407 | 244 | $46m | 23.4% |
| Fluvanna County | 162 | 104 | $13m | 19.4% |
| Louisa County | 138 | 64 | $12m | 37.7% |
| Charlottesville city | 103 | 57 | $17m | 25.6% |
| Culpeper County | 87 | 45 | $9.7m | 36.5% |
| Greene County | 88 | 43 | $5.0m | 34.3% |
| Orange County | 77 | 43 | $6.3m | 30.2% |
| Waynesboro city | 46 | 33 | $7.8m | 12.8% |
| Fauquier County | 52 | 29 | $4.4m | 34.0% |
| Augusta County | 42 | 22 | $5.3m | 31.3% |
| Madison County | 48 | 20 | $3.3m | 48.8% |
| Rockingham County | 26 | 19 | $4.2m | — |
| Nelson County | 30 | 13 | $2.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Uva Community Credit Union originate in Virginia in 2024?
798 loans totalling $156m, from 1,419 applications reported for properties in Virginia.
What is Uva Community Credit Union's denial rate in Virginia?
27.5% of decided applications in Virginia were denied, against 22.1% for all lenders in the state and 27.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Virginia counties does Uva Community Credit Union lend in most?
By originations: Albemarle County (244), Fluvanna County (104), Louisa County (64), Charlottesville city (57), Culpeper County (45).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Virginia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.