Applications / Mortgage Analytics / Lenders / Virginia / DuPont Community Credit Union
Waynesboro, VA · Credit union · NCUA · $2.0 billion assets · 1,330 loans in 2025
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1,330
loans originated, 2025
1,689
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
DuPont Community Credit Union is a Virginia lender of small refinance and home-improvement loans that grew 71% in 2025 and leads its home market of Staunton-Stuarts Draft.
Originations rose 71% to 1,330, against 9% at similar lenders (credit unions making between half and twice as many loans) and 10% in the whole market. The count is still below 2021, when it made 1,847 loans; it had fallen to 777 in 2024.
Refinances were 48.5% of its loans and home improvement 34.1%; purchases were 13.8%. Its typical loan, $85,000, was smaller than at most peers ($105,000), and manufactured homes were 3.2% of its loans, against 0.4%. Its purchase and refinance denial rates, 4.2% and 13.0%, were lower than peers' 6.3% and 21.0%.
It ranked 1 of 236 lenders in Staunton-Stuarts Draft, with 13.2% of lending, up from 9.3%. All its lending was in Virginia, across 45 counties.
Low- and moderate-income (LMI) borrowers took 39.3% of its loans, against 27.1% at peers, higher than more than nine in ten. Majority-minority areas took 0.6%, against 10.2%, among the lowest tenth; the make-up of the Virginia areas it mainly serves, such as Staunton-Stuarts Draft and non-metro Virginia, is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. DuPont Community Credit Union took 1,689 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.5% · Home improvement 34.1% · Purchase 13.8% · Other 3.5%
Conventional 99.9% · FHA 0.1% · of 1,330 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 | 1,330 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Staunton-Stuarts Draft | 815 |
| Harrisonburg | 273 |
| Charlottesville | 19 |
| Arlington-Alexandria-Reston | 10 |
| Richmond | 10 |
| Roanoke | 8 |
| Virginia Beach-Chesapeake-Norfolk | 7 |
| Lynchburg | 5 |
| Winchester | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300H88NIQ6005M718 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 678098 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562474 | 2008–2017 |
Established 1 January 1959. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: DuPont Community Credit Union's data.
DuPont Community Credit Union's data
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