Langley Federal Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Langley Federal Credit Union of Newport News, VA reported 4,008 mortgage applications totaling $534.2 million, up 31% from 2024. The average application was for $133,285, and applicants reported an average income of $133,615. 74% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (2,915), Richmond, VA (362) and Arlington-Alexandria-Reston, VA-WV (209) (applications in parentheses).

Mortgage Company & Address Langley Federal Credit Union
721 Lakefront Commons, Suite 102
Newport News, VA 23606
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 4,008
Total Mortgage Loan Application Amount $534,210,000
Average Mortgage Loan Application Amount $133,285
Highest Mortgage Loan Application Amount $1,405,000
Average Applicant Income $133,615
Highest Applicant Income $3,600,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Langley Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Langley Federal Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Newport News, Virginia 488 $ 48,150,000 $ 98,668 $ 105,000
Hampton, Virginia 474 $ 42,950,000 $ 90,611 $ 106,000
Virginia Beach, Virginia 423 $ 54,865,000 $ 129,704 $ 149,000
York, Virginia 279 $ 39,415,000 $ 141,272 $ 144,000
Chesapeake, Virginia 261 $ 28,575,000 $ 109,482 $ 135,000
Norfolk, Virginia 182 $ 21,530,000 $ 118,296 $ 125,000
James City, Virginia 178 $ 26,740,000 $ 150,224 $ 130,000
Gloucester, Virginia 143 $ 16,635,000 $ 116,328 $ 122,000
Isle of Wight, Virginia 116 $ 13,940,000 $ 120,172 $ 132,000
Portsmouth, Virginia 115 $ 11,485,000 $ 99,869 $ 98,000
Suffolk, Virginia 103 $ 11,925,000 $ 115,776 $ 134,000
Wake, North Carolina 101 $ 31,415,000 $ 311,039 $ 190,000
Chesterfield, Virginia 92 $ 13,540,000 $ 147,173 $ 148,000
Henrico, Virginia 91 $ 11,405,000 $ 125,329 $ 128,000
Poquoson, Virginia 87 $ 13,175,000 $ 151,436 $ 138,000
Fairfax, Virginia 68 $ 25,510,000 $ 375,147 $ 259,000
Richmond City, Virginia 53 $ 9,765,000 $ 184,245 $ 126,000
Prince William, Virginia 37 $ 9,435,000 $ 255,000 $ 207,000
Loudoun, Virginia 32 $ 8,980,000 $ 280,625 $ 240,000
Hanover, Virginia 31 $ 6,015,000 $ 194,032 $ 152,000
New Kent, Virginia 28 $ 3,400,000 $ 121,428 $ 120,000
Pasquotank, North Carolina 26 $ 2,030,000 $ 78,076 $ 126,000
Mathews, Virginia 22 $ 2,560,000 $ 116,363 $ 104,000
Middlesex, Virginia 20 $ 3,160,000 $ 158,000 $ 100,000
Accomack, Virginia 18 $ 1,490,000 $ 82,777 $ 109,000
Spotsylvania, Virginia 18 $ 2,340,000 $ 130,000 $ 167,000
King William, Virginia 17 $ 2,125,000 $ 125,000 $ 102,000
Dare, North Carolina 14 $ 2,280,000 $ 162,857 $ 262,000
Durham, North Carolina 14 $ 1,990,000 $ 142,142 $ 135,000
Currituck, North Carolina 13 $ 1,805,000 $ 138,846 $ 106,000
Surry, Virginia 13 $ 1,545,000 $ 118,846 $ 137,000
Mecklenburg, North Carolina 12 $ 3,170,000 $ 264,166 $ 204,000
Prince George's, Maryland 11 $ 965,000 $ 87,727 $ 182,000
Stafford, Virginia 11 $ 1,225,000 $ 111,363 $ 179,000
Montgomery, Maryland 10 $ 3,460,000 $ 346,000 $ 219,000
Prince George, Virginia 10 $ 1,330,000 $ 133,000 $ 92,000
Southampton, Virginia 10 $ 710,000 $ 71,000 $ 119,000
Williamsburg, Virginia 10 $ 1,680,000 $ 168,000 $ 129,000
Johnston, North Carolina 9 $ 1,625,000 $ 180,555 $ 129,000
Arlington, Virginia 9 $ 2,895,000 $ 321,666 $ 284,000
Roanoke City, Virginia 9 $ 645,000 $ 71,666 $ 116,000
Alexandria, Virginia 8 $ 2,250,000 $ 281,250 $ 197,000
Fauquier, Virginia 8 $ 1,780,000 $ 222,500 $ 223,000
Baltimore City, Maryland 7 $ 585,000 $ 83,571 $ 96,000
Howard, Maryland 7 $ 1,545,000 $ 220,714 $ 168,000
Guilford, North Carolina 7 $ 695,000 $ 99,285 $ 130,000
Halifax, North Carolina 7 $ 805,000 $ 115,000 $ 53,000
Franklin City, Virginia 7 $ 415,000 $ 59,285 $ 131,000
Goochland, Virginia 7 $ 905,000 $ 129,285 $ 195,000
Orange, Virginia 7 $ 1,125,000 $ 160,714 $ 102,000
Anne Arundel, Maryland 6 $ 920,000 $ 153,333 $ 142,000
Baltimore, Maryland 6 $ 1,050,000 $ 175,000 $ 124,000
Franklin, North Carolina 6 $ 1,030,000 $ 171,666 $ 190,000
Onslow, North Carolina 6 $ 460,000 $ 76,666 $ 106,000
Lancaster, Virginia 6 $ 660,000 $ 110,000 $ 102,000
Powhatan, Virginia 6 $ 960,000 $ 160,000 $ 180,000
Camden, North Carolina 5 $ 845,000 $ 169,000 $ 125,000
Nash, North Carolina 5 $ 175,000 $ 35,000 $ 248,000
Perquimans, North Carolina 5 $ 295,000 $ 59,000 $ 90,000
Person, North Carolina 5 $ 1,335,000 $ 267,000 $ 136,000
Culpeper, Virginia 5 $ 725,000 $ 145,000 $ 168,000
Dinwiddie, Virginia 5 $ 955,000 $ 191,000 $ 122,000
Essex, Virginia 5 $ 405,000 $ 81,000 $ 103,000
Hopewell, Virginia 5 $ 225,000 $ 45,000 $ 94,000
Charles, Maryland 4 $ 270,000 $ 67,500 $ 169,000
Hertford, North Carolina 4 $ 470,000 $ 117,500 $ 112,000
Union, North Carolina 4 $ 1,060,000 $ 265,000 $ 128,000
Wayne, North Carolina 4 $ 230,000 $ 57,500 $ 89,000
Colonial Heights, Virginia 4 $ 160,000 $ 40,000 $ 93,000
Frederick, Virginia 4 $ 270,000 $ 67,500 $ 88,000
Fredericksburg, Virginia 4 $ 700,000 $ 175,000 $ 101,000
King and Queen, Virginia 4 $ 180,000 $ 45,000 $ 82,000
Manassas, Virginia 4 $ 260,000 $ 65,000 $ 102,000
Petersburg, Virginia 4 $ 180,000 $ 45,000 $ 94,000
Rockbridge, Virginia 4 $ 250,000 $ 62,500 $ 61,000
Frederick, Maryland 3 $ 1,435,000 $ 478,333 $ 149,000
Queen Anne's, Maryland 3 $ 775,000 $ 258,333 $ 143,000
Washington, Maryland 3 $ 235,000 $ 78,333 $ 96,000
Cumberland, North Carolina 3 $ 205,000 $ 68,333 $ 126,000
Forsyth, North Carolina 3 $ 205,000 $ 68,333 $ 75,000
Gaston, North Carolina 3 $ 325,000 $ 108,333 $ 152,000
Gates, North Carolina 3 $ 505,000 $ 168,333 $ 94,000
Harnett, North Carolina 3 $ 215,000 $ 71,666 $ 108,000
Moore, North Carolina 3 $ 165,000 $ 55,000 $ 246,000
Randolph, North Carolina 3 $ 185,000 $ 61,666 $ 86,000
Rockingham, North Carolina 3 $ 275,000 $ 91,666 $ 103,000
Albemarle, Virginia 3 $ 695,000 $ 231,666 $ 183,000
Augusta, Virginia 3 $ 385,000 $ 128,333 $ 170,000
Caroline, Virginia 3 $ 155,000 $ 51,666 $ 98,000
Fluvanna, Virginia 3 $ 495,000 $ 165,000 $ 103,000
Franklin, Virginia 3 $ 315,000 $ 105,000 $ 91,000
King George, Virginia 3 $ 255,000 $ 85,000 $ 190,000
Rockingham, Virginia 3 $ 175,000 $ 58,333 $ 86,000
Calvert, Maryland 2 $ 370,000 $ 185,000 $ 125,000
Carroll, Maryland 2 $ 170,000 $ 85,000 $ 130,000
Cecil, Maryland 2 $ 150,000 $ 75,000 $ 99,000
Harford, Maryland 2 $ 390,000 $ 195,000 $ 80,000
Bertie, North Carolina 2 $ 450,000 $ 225,000 $ 169,000
Burke, North Carolina 2 $ 110,000 $ 55,000 $ 122,000
Davidson, North Carolina 2 $ 50,000 $ 25,000 $ 51,000
Davie, North Carolina 2 $ 750,000 $ 375,000 $ 240,000
Hoke, North Carolina 2 $ 120,000 $ 60,000 $ 72,000
Iredell, North Carolina 2 $ 520,000 $ 260,000 $ 94,000
New Hanover, North Carolina 2 $ 80,000 $ 40,000 $ 144,000
Northampton, North Carolina 2 $ 130,000 $ 65,000 $ 160,000
Orange, North Carolina 2 $ 380,000 $ 190,000 $ 224,000
Pitt, North Carolina 2 $ 90,000 $ 45,000 $ 1,842,000
Amelia, Virginia 2 $ 100,000 $ 50,000 $ 71,000
Bedford, Virginia 2 $ 830,000 $ 415,000 $ 60,000
Buckingham, Virginia 2 $ 220,000 $ 110,000 $ 46,000
Emporia, Virginia 2 $ 120,000 $ 60,000 $ 67,000
Fairfax City, Virginia 2 $ 870,000 $ 435,000 $ 386,000
Floyd, Virginia 2 $ 80,000 $ 40,000 $ 71,000
Greene, Virginia 2 $ 270,000 $ 135,000 $ 189,000
Louisa, Virginia 2 $ 140,000 $ 70,000 $ 169,000
Mecklenburg, Virginia 2 $ 110,000 $ 55,000 $ 60,000
Northumberland, Virginia 2 $ 30,000 $ 15,000 $ 60,000
Nottoway, Virginia 2 $ 140,000 $ 70,000 $ 69,000
Roanoke, Virginia 2 $ 90,000 $ 45,000 $ 87,000
Shenandoah, Virginia 2 $ 70,000 $ 35,000 $ 117,000
Sussex, Virginia 2 $ 60,000 $ 30,000 $ 77,000
Warren, Virginia 2 $ 160,000 $ 80,000 $ 161,000
Waynesboro, Virginia 2 $ 270,000 $ 135,000 $ 107,000
Westmoreland, Virginia 2 $ 120,000 $ 60,000 $ 79,000
Winchester, Virginia 2 $ 510,000 $ 255,000 $ 142,000
Allegany, Maryland 1 $ 45,000 $ 45,000 $ 242,000
Dorchester, Maryland 1 $ 105,000 $ 105,000 $ 147,000
Garrett, Maryland 1 $ 155,000 $ 155,000 $ 141,000
Worcester, Maryland 1 $ 75,000 $ 75,000 $ 75,000
Alamance, North Carolina 1 $ 215,000 $ 215,000 $ 99,000
Alexander, North Carolina 1 $ 405,000 $ 405,000 $ 117,000
Brunswick, North Carolina 1 $ 185,000 $ 185,000 $ 115,000
Buncombe, North Carolina 1 $ 565,000 $ 565,000 $ 235,000
Cabarrus, North Carolina 1 $ 395,000 $ 395,000 $ 234,000
Carteret, North Carolina 1 $ 5,000 $ 5,000 $ 84,000
Catawba, North Carolina 1 $ 55,000 $ 55,000 $ 111,000
Chatham, North Carolina 1 $ 25,000 $ 25,000 $ 176,000
Chowan, North Carolina 1 $ 65,000 $ 65,000 $ 55,000
Lee, North Carolina 1 $ 85,000 $ 85,000 $ 95,000
Lenoir, North Carolina 1 $ 105,000 $ 105,000 $ 52,000
Macon, North Carolina 1 $ 105,000 $ 105,000 $ 95,000
McDowell, North Carolina 1 $ 75,000 $ 75,000 $ 124,000
Pamlico, North Carolina 1 $ 75,000 $ 75,000 $ 54,000
Pender, North Carolina 1 $ 75,000 $ 75,000 $ 179,000
Robeson, North Carolina 1 $ 25,000 $ 25,000 $ 71,000
Sampson, North Carolina 1 $ 5,000 $ 5,000 $ 37,000
Scotland, North Carolina 1 $ 75,000 $ 75,000 $ 222,000
Stokes, North Carolina 1 $ 495,000 $ 495,000 $ 97,000
Wilson, North Carolina 1 $ 65,000 $ 65,000 $ 97,000
Appomattox, Virginia 1 $ 105,000 $ 105,000 $ 180,000
Brunswick, Virginia 1 $ 55,000 $ 55,000 $ 28,000
Campbell, Virginia 1 $ 15,000 $ 15,000 $ 78,000
Charles City, Virginia 1 $ 235,000 $ 235,000 $ 158,000
Cumberland, Virginia 1 $ 15,000 $ 15,000 $ 50,000
Falls Church, Virginia 1 $ 225,000 $ 225,000 $ 454,000
Giles, Virginia 1 $ 25,000 $ 25,000 $ 127,000
Greensville, Virginia 1 $ 25,000 $ 25,000 $ 46,000
Henry, Virginia 1 $ 15,000 $ 15,000 $ 70,000
Highland, Virginia 1 $ 295,000 $ 295,000 $ 194,000
Lunenburg, Virginia 1 $ 25,000 $ 25,000 $ 70,000
Lynchburg, Virginia 1 $ 65,000 $ 65,000 $ 74,000
Madison, Virginia 1 $ 105,000 $ 105,000 $ 85,000
Montgomery, Virginia 1 $ 25,000 $ 25,000 $ 134,000
Nelson, Virginia 1 $ 145,000 $ 145,000 $ 116,000
Northampton, Virginia 1 $ 435,000 $ 435,000 $ 222,000
Pittsylvania, Virginia 1 $ 155,000 $ 155,000 $ 31,000
Pulaski, Virginia 1 $ 45,000 $ 45,000 $ 97,000
Richmond, Virginia 1 $ 75,000 $ 75,000 $ 128,000
Smyth, Virginia 1 $ 295,000 $ 295,000 $ 80,000
Staunton, Virginia 1 $ 325,000 $ 325,000 $ 142,000
Wythe, Virginia 1 $ 365,000 $ 365,000 $ 85,000

Mortgage Loan Application Detail Totals for Langley Federal Credit Union in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Improvement 1,480 $133,590,000 $90,000 $905,000 $137,000 $3,600,000
Other Purpose 1,374 $118,540,000 $86,000 $705,000 $124,000 $1,272,000
Refinancing 796 $169,300,000 $212,000 $1,025,000 $138,000 $2,496,000
Home Purchase 268 $81,260,000 $303,000 $1,405,000 $142,000 $820,000
Cash-out Refinancing 90 $31,520,000 $350,000 $925,000 $161,000 $1,910,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 2,137 $278,275,000 $130,000 $1,405,000 $136,000 $1,910,000
Black or African American 963 $89,975,000 $93,000 $855,000 $112,000 $3,600,000
Not Provided 356 $58,690,000 $164,000 $965,000 $153,000 $1,470,000
Hispanic 256 $35,000,000 $136,000 $705,000 $137,000 $1,272,000
Asian 228 $58,030,000 $254,000 $1,025,000 $165,000 $2,496,000
American Indian or Alaskan Native 37 $4,425,000 $119,000 $645,000 $125,000 $311,000
Native Hawaiian or Other Pacific Islander 16 $1,660,000 $103,000 $365,000 $89,000 $205,000
Not applicable 15 $8,155,000 $543,000 $1,005,000 $46,000 $46,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,986 $526,590,000 $132,000 $1,405,000 $134,000 $3,600,000
VA-guaranteed (Veterans Administration) 17 $6,175,000 $363,000 $705,000 $110,000 $215,000
FHA-insured (Federal Housing Administration) 5 $1,445,000 $289,000 $395,000 $91,000 $114,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 2,962 $412,050,000 $139,000 $1,025,000 $140,000 $1,910,000
Application Denied By Financial Institution 824 $75,270,000 $91,000 $775,000 $106,000 $3,600,000
Application Withdrawn By Applicant 189 $33,675,000 $178,000 $1,405,000 $147,000 $2,496,000
Application Approved But Not Accepted 18 $6,060,000 $336,000 $705,000 $122,000 $230,000
Loan Purchased By The Institution 8 $5,410,000 $676,000 $1,005,000 $0 $0
File Closed For Incompleteness 7 $1,745,000 $249,000 $465,000 $156,000 $282,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 3,184 $458,940,000 $144,000 $1,405,000 $141,000 $2,496,000
Credit History 375 $22,145,000 $59,000 $705,000 $124,000 $3,600,000
Debt-To-Income Ratio 273 $33,005,000 $120,000 $775,000 $74,000 $540,000
Other 82 $8,530,000 $104,000 $635,000 $115,000 $1,298,000
Collateral 70 $5,720,000 $81,000 $525,000 $116,000 $356,000
Unverifiable Information 16 $3,000,000 $187,000 $645,000 $115,000 $396,000
Employment History 6 $1,780,000 $296,000 $755,000 $119,000 $257,000
Insufficient Cash (Downpayment, Closing Cost) 2 $1,090,000 $545,000 $545,000 $111,000 $118,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Langley Federal Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Langley Federal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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