Applications / Mortgage Analytics / Lenders / Virginia / Call Federal Credit Union
Richmond, VA · Credit union · NCUA · $535 million assets · 310 loans in 2025
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310
loans originated, 2025
424
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Call Federal Credit Union lends mainly for home improvement and other purposes, with an unusually large share going to low- and moderate-income borrowers, and its loans rose 16% in 2025.
Other-purpose loans made up 46.1% of its lending and home improvement 41.9%; purchases were 4.5%. Its typical loan was $70,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at about nine in ten of them. In 2020 its typical loan was $155,000.
Low- and moderate-income (LMI) borrowers took 40.8% of its loans, against 27.2% at similar lenders, higher than at about nine in ten. Majority-minority neighborhoods took 27.3%, against 12.7%. Small loans of this kind may suit borrowers with lower incomes, and the metros where it lends shape the neighborhoods it reaches.
Its typical rate was 7.25%, against 6.88% at similar lenders, and higher-priced loans (a rate well above the average for similar loans) were 2.3%, against 1.9%. Home-improvement and other-purpose loans are often priced above first mortgages, which may account for the difference.
Its originations rose 16% to 310, against 6% at similar lenders and 10% for the whole market. It ranked 76 of 551 lenders in Richmond, VA, with an unchanged share of 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Call Federal Credit Union took 424 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 46.1% · Home improvement 41.9% · Refinance 7.4% · Purchase 4.5%
Conventional 100.0% · of 310 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 | 308 | 99.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 290 |
| Charlottesville | 3 |
| Arlington-Alexandria-Reston | 2 |
| Virginia Beach-Chesapeake-Norfolk | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JH47ETFGVNKS92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 19981 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 515209 | 1992–2017 |
Established 1 January 1962. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Call Federal Credit Union's data.
Call Federal Credit Union's data
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Call 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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