Applications / Mortgage Analytics / Lenders / Virginia / Chartway Federal Credit Union
Virginia Beach, VA · Credit union · NCUA · $3.2 billion assets · 1,205 loans in 2025
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1,205
loans originated, 2025
2,134
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Chartway Federal Credit Union is a Virginia and Utah lender of home-improvement, refinance and other-purpose loans whose originations have more than doubled in five years, to 1,205 in 2025.
Originations rose 18% in 2025, against 8% at similar lenders (credit unions making between half and twice as many loans), and stood at 1,205, up from 498 five years before. Home improvement was 36.5% of its loans, refinances 28.7%, other purposes 21.7% and purchases 13.1%. All were conventional loans.
It bought 427 loans in 2025, up from 85 a year before; most similar lenders bought none. The data do not say what kind of loans these were; the loan-level records would show it.
Low- and moderate-income (LMI) borrowers took 33.2% of its loans, against 27.5% at peers, up from 18.9% five years before. Its share in LMI areas, 20.0%, and in majority-minority areas, 23.3%, were higher than at more than seven in ten peers, whose typical shares were 15.0% and 10.2%.
It ranked 50 of 577 lenders in Virginia Beach-Chesapeake-Norfolk, where it has lent since before 1990, with 0.4% of lending, up from 0.3%. In Utah it ranked 47 of 363 in Salt Lake City-Murray and 26 of 261 in St. George, holding its share in both; its 2011 merger with Utah Central Credit Union counts in those competition figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Chartway Federal Credit Union took 2,134 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.5% · Refinance 28.7% · Other 21.7% · Purchase 13.1%
Conventional 100.0% · of 1,205 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 | 606 | 50.3% |
| Utah | 469 | 38.9% |
| North Carolina | 45 | 3.7% |
| Texas | 38 | 3.2% |
| Florida | 7 | 0.6% |
| Georgia | 7 | 0.6% |
| Arizona | 5 | 0.4% |
| Ohio | 3 | 0.2% |
| Tennessee | 3 | 0.2% |
| Colorado | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Virginia Beach-Chesapeake-Norfolk | 587 |
| Salt Lake City-Murray | 237 |
| St. George | 144 |
| Houston-Pasadena-The Woodlands | 31 |
| Provo-Orem-Lehi | 26 |
| Ogden | 21 |
| Richmond | 18 |
| Arlington-Alexandria-Reston | 8 |
| Atlanta-Sandy Springs-Roswell | 5 |
| Phoenix-Mesa-Chandler | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NWKILSNQAIG053 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 804981 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513242 | 1990–2017 |
Established 1 January 1959. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Chartway Federal Credit Union's data.
Chartway Federal Credit Union's data
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Chartway Federal 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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