Applications / Mortgage Analytics / Lenders / Virginia / Central Virginia Federal Credit Union
Lynchburg, VA · Credit union · NCUA · $193 million assets · 28 loans in 2025
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28
loans originated, 2025
28
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Virginia Federal Credit Union, a Lynchburg credit union, that has reported since 1992, makes mostly refinance and home-improvement loans rather than purchase loans.
Refinancing made up 57.1% of its loans and home improvement 32.1%; purchases were only 10.7%. Its typical loan was $80,000, below the $95,000 at similar credit unions, those making between half and twice as many loans, which fits a book of refinances and improvement loans.
Half its borrowers had low or moderate incomes, against 31.9% at the typical peer and 20.8% for the credit union a year earlier. On 28 loans that share can swing a lot, as the jump from 2024 shows, so it is a weak guide to the trend. Its typical rate, 6.49%, was below peers' 6.75%.
It has reported since 1992. In Lynchburg it ranked 79 of 329 lenders, with a 0.2% share, unchanged from 2024. Its loans rose 17%, to 28 from 24, while peers fell 3%, but remain below the 63 it made in 2021.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Central Virginia Federal Credit Union took 28 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.1% · Home improvement 32.1% · Purchase 10.7%
Conventional 100.0% · of 28 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 | 28 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lynchburg | 27 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005JH30JPUGSG495 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 527682 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 522307 | 1992–2017 |
Established 1 January 1976. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Central Virginia Federal Credit Union's data.
Central Virginia Federal Credit Union's data
$215
Central Virginia 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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