UVA COMMUNITY CREDIT UNION
CHARLOTTESVILLE, VA
UVA COMMUNITY CREDIT UNION processed 1,424 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 798 loans with a 22.2% denial rate. Home Improvement was the primary loan purpose. Based in CHARLOTTESVILLE, VA. The approval rate of 56.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. UVA COMMUNITY CREDIT UNION processed 1,424 HMDA-reported mortgage applications in 2024, originating 798 loans and denying 316 for a denial rate of 22.2% (applicants themselves withdrew 175 files before a decision). The average loan amount was $182,156. The lender reports under LEI 549300TYKYOVQFBZBV90 from CHARLOTTESVILLE, VA.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. UVA COMMUNITY CREDIT UNION's 56.0% origination rate tells you how often an application turned into funded money; the 22.2% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (1,360 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 1,360 | 772 | 304 | $177,147 |
| FHA | 59 | 24 | 11 | $284,322 |
| VA | 3 | 2 | 0 | $431,667 |
| USDA | 2 | 0 | 1 | $200,000 |
Top loan types — UVA COMMUNITY CREDIT UNION
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for UVA COMMUNITY CREDIT UNION (LEI: 549300TYKYOVQFBZBV90) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Improvement | 441 | 256 | $84,206 |
| Home Purchase | 372 | 241 | $349,086 |
| Other | 320 | 148 | $110,063 |
| Refinancing | 214 | 121 | $165,280 |
| Cash-out Refinancing | 77 | 32 | $283,182 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 1,083 | 58.5% | 21.1% |
| Black or African American | 112 | 42.0% | 36.6% |
| Asian | 41 | 43.9% | 17.1% |
| Joint | 34 | 58.8% | 23.5% |
| American Indian or Alaska Native | 5 | 60.0% | 20.0% |
| Native Hawaiian or Other Pacific Islander | 3 | 33.3% | 33.3% |
| 2 or more minority races | 2 | 50.0% | 50.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 1,206 | 57.0% | 22.3% |
| Hispanic or Latino | 52 | 36.5% | 32.7% |
| Joint | 23 | 65.2% | 21.7% |
Nearby Lenders in VA
Other HMDA-reporting lenders in VA with similar activity. Compare any two side-by-side.
Navy Federal Credit Union
Vienna, VA
PROSPERITY HOME MORTGAGE, LLC
CHANTILLY, VA
Pentagon Federal Credit Unioin
Alexandria, VA
ATLANTIC BAY MORTGAGE GROUP
VIRGINIA BEACH, VA
First Heritage Mortgage, LLC
Fairfax, VA
Mortgage Lending Guides
Frequently Asked Questions
How many mortgage applications did UVA COMMUNITY CREDIT UNION process?
What is UVA COMMUNITY CREDIT UNION's mortgage approval rate?
What is the average loan amount at UVA COMMUNITY CREDIT UNION?
What types of mortgage loans does UVA COMMUNITY CREDIT UNION offer?
What loan purposes does UVA COMMUNITY CREDIT UNION serve?
Where is UVA COMMUNITY CREDIT UNION located?
How does UVA COMMUNITY CREDIT UNION compare in lending across racial demographics?
Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.