Applications / Mortgage Analytics / Lenders / Virginia / Henrico Federal Credit Union
Henrico, VA · Credit union · NCUA · $486 million assets · 222 loans in 2025
Henrico Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
222
loans originated, 2025
301
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Henrico Federal Credit Union, a Richmond-area credit union, made 27% more loans in 2025, 222 in all, its most in any year since 2018.
Other purposes made up 58.6% of its loans and home improvement 37.4%. It made no purchase loans. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). Its typical rate, 6.49%, was lower than at about seven in ten of them, and none of its loans were higher-priced (a rate well above the average for similar loans).
It made 222 loans, up from 175. Similar lenders grew by 7% and the whole market by 10%; it grew faster than about three in four of its peers. In 2020 it made 124.
Borrowers with low and moderate incomes (LMI) took 40.5% of its loans, against 27.7% at similar lenders, more than at about four in five of them. Majority-minority areas took 36.0%, against 11.8% at its peers, and LMI neighborhoods 19.2%.
It ranks 99 of 551 lenders in Richmond, VA, with 0.2% of lending, up from 0.1%; Berkeley Point Capital leads. It has lent there since at least 1990, and all its lending is in Virginia.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Henrico Federal Credit Union took 301 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 58.6% · Home improvement 37.4% · Refinance 4.1%
Conventional 100.0% · of 222 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 | 222 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 213 |
| Charlottesville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ELQB8TS88JEE06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 566588 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518175 | 1993–2017 |
Established 1 January 1967. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Henrico Federal Credit Union's data.
Henrico Federal Credit Union's data
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Henrico 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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