Applications / Mortgage Analytics / Lenders / Virginia / UVA Community Credit Union
Charlottesville, VA · Credit union · NCUA · $1.6 billion assets · 923 loans in 2025
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923
loans originated, 2025
1,630
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UVA Community Credit Union is a Virginia credit union whose lending leans to home-improvement loans; it ranked second in Charlottesville, where its share rose to 5.9%, and its originations grew 16% to 923.
It ranked 2 of 337 lenders in Charlottesville, its largest market, where it has lent since 1991, behind Walker & Dunlop. Its share rose 0.5 points to 5.9%. All its lending is in Virginia: 9 metros and 47 counties.
Originations rose 16%, against 8% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, higher than about two-thirds of its peers. It made 569 loans five years before and 798 in 2024.
Home-improvement loans were 34.8% of its originations, ahead of purchase at 26.4%, refinance at 21.6% and other purposes at 17.2%. Its typical loan, $105,000, matched its peers', and 98.4% of its loans were conventional rather than government-backed.
LMI (low- and moderate-income) borrowers took 28.3% of its loans, against 28.0% at peers, and LMI areas 15.9%, against 15.0%. Majority-minority areas took 2.6%, against 10.5%, lower than about four in five peers; that share depends on how many such areas its Virginia markets hold, and on where in them it lends.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UVA Community Credit Union took 1,630 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 34.8% · Purchase 26.4% · Refinance 21.6% · Other 17.2%
Conventional 98.4% · FHA 1.5% · VA 0.1% · of 923 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 | 923 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlottesville | 571 |
| Arlington-Alexandria-Reston | 94 |
| Staunton-Stuarts Draft | 33 |
| Richmond | 18 |
| Harrisonburg | 16 |
| Roanoke | 4 |
| Virginia Beach-Chesapeake-Norfolk | 3 |
| Lynchburg | 2 |
| Winchester | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TYKYOVQFBZBV90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 681098 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562504 | 1991–2017 |
Established 1 January 1954. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: UVA Community Credit Union's data.
UVA Community Credit Union's data
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UVA Community 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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