BAYLANDS FAMILY CREDIT UNION
BAYLANDS FAMILY CREDIT UNION received 34 applications in 2025 and made 24 mortgages, in 10 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $80,000. Of 26 decisions, 1 were denials — 3.9%, most often for collateral.
| Legal Entity Identifier | 549300LFCGLCYQ1SAJ07 |
|---|---|
| Applications received | 34 |
| Mortgages made | 24 |
| Denied | 1 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.58 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Refinancing | 0 | Under 10 loans | Under 10 loans | Not published |
| Cash-out refinancing | 21 | 7.500% | $75,000 | 0.0% |
Where BAYLANDS FAMILY CREDIT UNION lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| King William County, VA | 7 | Under 10 loans | 12.5% |
| James City County, VA | 4 | Under 10 loans | 0.0% |
| New Kent County, VA | 4 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 3 | Under 10 loans | 0.0% |
| King and Queen County, VA | 2 | Under 10 loans | 0.0% |
| Gloucester County, VA | 1 | Under 10 loans | 0.0% |
| Mathews County, VA | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, VA | 1 | Under 10 loans | 0.0% |
| Richmond County, VA | 1 | Under 10 loans | 0.0% |
| Middlesex County, VA | 0 | Under 10 loans | Not published |
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When BAYLANDS FAMILY CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.