Applications / Mortgage Analytics / Lenders / Virginia / BayPort Credit Union
Newport News, VA · Credit union · NCUA · $2.7 billion assets · 1,558 loans in 2025
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1,558
loans originated, 2025
2,462
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BayPort Credit Union is a Virginia credit union that ranks 12 of 577 lenders in Virginia Beach-Chesapeake-Norfolk and makes more of its loans in low- and moderate-income and majority-minority areas than most similar lenders.
Home improvement made up 37.7% of its loans, other purposes 22.5%, purchases 20.7% and refinances 19.1%. Almost all, 99.9%, were conventional, and its typical loan was $105,000, against $115,000 at similar lenders (credit unions making between half and twice as many loans).
Originations fell 11% to 1,558 while similar lenders grew 9% and the whole market 10%, a lower growth rate than about nine in ten of them. The amount it lent fell less, to $303.6 million from $311.6 million. It made 694 loans in 2020 and 1,755 in 2024, so 2025 follows its second-busiest year since 2018.
Majority-minority areas took 30.6% of its loans, about three times peers' 10.8%, and LMI (low- and moderate-income) areas 19.6%, against 15.3%, higher than about four in five similar lenders. LMI borrowers took 32.0%, against 27.0%.
It turned down 2.6% of first-lien home-purchase applications on owner-occupied homes, against 6.3% at similar lenders. Home purchases were 20.7% of its loans; no refinance rate is given, as too few refinance applications were decided.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BayPort Credit Union took 2,462 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 37.7% · Other 22.5% · Purchase 20.7% · Refinance 19.1%
Conventional 99.9% · VA 0.1% · of 1,558 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 | 1,411 | 90.6% |
| North Carolina | 20 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Virginia Beach-Chesapeake-Norfolk | 1,429 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000E527OH5Y8TR73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 13390 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561330 | 1990–2017 |
Established 1 January 1928. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BayPort Credit Union's data.
BayPort Credit Union's data
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BayPort Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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