Applications / Mortgage Analytics / Lenders / Virginia / Langley Federal Credit Union
Newport News, VA · Credit union · NCUA · $5.6 billion assets · 2,962 loans in 2025
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2,962
loans originated, 2025
4,000
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Langley Federal Credit Union, a Newport News lender of home-improvement and other-purpose loans, grew its loan count 32% in 2025, faster than about nine in ten similar credit unions.
Originations rose 32% to 2,962, against 9% for the typical similar lender (credit unions making between half and twice as many loans) and 10% for the whole market. Dollar volume rose to $412.1 million from $220.9 million, and its loan count is about double the 1,448 of 2018.
Home improvement made up 38.3% of its loans and other purposes 30.5%, with only 6.9% for home purchase. That mix fits its small typical loan, $85,000 against $105,000, lower than more than nine in ten peers.
It ranks 13 of 577 lenders in Virginia Beach-Chesapeake-Norfolk, with 1.7% against 1.3% a year earlier, in a market led by United Wholesale Mortgage and Mortgage Research Center. It also gained a little in Richmond and Raleigh-Cary.
Majority-minority neighbourhoods took 29.5% of its loans against 10.1% at similar lenders, and low- and moderate-income (LMI) neighbourhoods 18.1% against 14.7%, higher than about four in five on both. Its share to LMI borrowers, 27.5%, matched peers'.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Langley Federal Credit Union took 4,000 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 38.3% · Other 30.5% · Refinance 24.3% · Purchase 6.9%
Conventional 99.5% · VA 0.4% · FHA 0.1% · of 2,962 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 2,701 | 91.2% |
| North Carolina | 214 | 7.2% |
| Maryland | 47 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Virginia Beach-Chesapeake-Norfolk | 2,196 |
| Richmond | 265 |
| Arlington-Alexandria-Reston | 164 |
| Raleigh-Cary | 85 |
| Baltimore-Columbia-Towson | 20 |
| Durham-Chapel Hill | 16 |
| Charlotte-Concord-Gastonia | 13 |
| Washington | 11 |
| Frederick-Gaithersburg-Bethesda | 9 |
| Greensboro-High Point | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CHR7TPQ6LLXG47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 722674 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51261 | 1991–2017 |
Established 1 January 1936. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Langley Federal Credit Union's data.
Langley Federal Credit Union's data
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