Applications / Mortgage Analytics / Lenders / Virginia / Bronco Federal Credit Union
Franklin, VA · Credit union · NCUA · $283 million assets · 99 loans in 2025
Bronco Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
99
loans originated, 2025
138
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bronco Federal Credit Union lends mainly to people who already own their homes: purchases were only 10.1% of its 99 loans in 2025.
Home improvement made up 33.3% of its loans and refinances 28.3%. Its typical loan was $65,000. Similar lenders, credit unions making between half and twice as many loans, typically lent $95,000, and only about one in seven of them lent less. Its mix of repair loans would explain the small size.
It made 99 loans, down 9% from 109 in 2024. Similar lenders grew 8% and the whole market 10%. But its yearly count has swung between 66 and 130 since 2018, so one weak year sits well inside its normal range.
Majority-minority neighborhoods took 15.2% of its loans, up from 4.2% in 2020 and above the 9.2% at similar lenders. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 11.1%, lower than at most peers, whose share was 17.3%. That may reflect the counties it serves; its largest market is non-metro Virginia. LMI borrowers took 28.3%, near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bronco Federal Credit Union took 138 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 33.3% · Other 28.3% · Refinance 28.3% · Purchase 10.1%
Conventional 100.0% · of 99 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 | 94 | 94.9% |
| North Carolina | 5 | 5.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Virginia Beach-Chesapeake-Norfolk | 33 |
| Richmond | 4 |
| Raleigh-Cary | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G5JZD1PBR8EH75 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 661278 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54616 | 2008–2017 |
Established 1 January 1941. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Bronco Federal Credit Union's data.
Bronco Federal Credit Union's data
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Bronco 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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