Applications / Mortgage Analytics / Lenders / Virginia / Baylands Family Credit Union
West Point, VA · Credit union · NCUA · $92.6 million assets · 24 loans in 2025
Baylands Family Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
24
loans originated, 2025
34
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Baylands Family Credit Union, a $92.6 million credit union in West Point, Virginia, makes a couple of dozen home loans a year, most of them refinancings.
Refinancing made up 87.5% of its 24 loans in 2025 and home purchases the rest. All were conventional. Its typical loan, $80,000, was smaller than the $97,500 at similar lenders, credit unions making between half and twice as many loans.
Its loans fell to 24 from 28, while similar lenders fell 5%. It has made between 24 and 28 loans in each year since 2022, so the change is small.
All its lending was in Virginia, across 2 metros and 9 counties. In Richmond, VA, where it has reported since 2004, it ranked 323 of 551 lenders. On so few loans, its shares of lending to borrowers and neighborhoods of low and moderate income, and its rate, move a lot from year to year and say little about the credit union.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Baylands Family Credit Union took 34 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 87.5% · Purchase 12.5%
Conventional 100.0% · of 24 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 | 24 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 16 |
| Virginia Beach-Chesapeake-Norfolk | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LFCGLCYQ1SAJ07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 957878 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55267 | 2004–2016 |
| Respondent ID (the HMDA filer code before 2018) | 568686 | 2017–2017 |
Established 1 January 1946. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Baylands Family Credit Union's data.
Baylands Family Credit Union's data
$215
Baylands Family 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.
Buy Baylands Family Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]