Beacon Credit Union, Incorporated
Beacon Credit Union, Incorporated received 317 applications in 2025 and made 157 mortgages, in 27 counties across 6 states. The median rate its borrowers got was 5.990% on a median loan of $85,000. Of 262 decisions, 101 were denials — 38.6%, most often for credit history. 36 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900EEAW181JIGNK52 |
|---|---|
| Applications received | 317 |
| Mortgages made | 157 |
| Denied | 101 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 55 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.418 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 | 36 | 5.245% | $290,000 | 15.6% |
| Refinancing | 12 | 5.990% | $105,000 | 33.3% |
| Cash-out refinancing | 20 | 5.308% | $190,000 | 41.7% |
| Other purposes | 89 | 5.990% | $65,000 | 44.8% |
Where Beacon Credit Union, Incorporated lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bedford County, VA | 37 | 5.990% | 37.3% |
| Lynchburg city, VA | 28 | 5.990% | 31.0% |
| Campbell County, VA | 20 | 5.990% | 33.3% |
| Danville city, VA | 12 | 6.500% | 23.5% |
| Amherst County, VA | 11 | 5.990% | 35.3% |
| Pittsylvania County, VA | 11 | 6.790% | 38.9% |
| Buena Vista city, VA | 8 | Under 10 loans | 20.0% |
| Roanoke city, VA | 6 | Under 10 loans | 11.1% |
| Roanoke County, VA | 5 | Under 10 loans | 0.0% |
| Rockbridge County, VA | 5 | Under 10 loans | 37.5% |
| Appomattox County, VA | 3 | Under 10 loans | 62.5% |
| Botetourt County, VA | 2 | Under 10 loans | 0.0% |
| Salem city, VA | 2 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 0.0% |
| Person County, NC | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| James City County, VA | 1 | Under 10 loans | 0.0% |
| Nelson County, VA | 1 | Under 10 loans | 66.7% |
| Wythe County, VA | 1 | Under 10 loans | 0.0% |
| Fredericksburg city, VA | 1 | Under 10 loans | 0.0% |
| Jackson County, IN | 0 | Under 10 loans | 100.0% |
| Rockingham County, NC | 0 | Under 10 loans | 100.0% |
| Buckingham County, VA | 0 | Under 10 loans | 100.0% |
| Franklin County, VA | 0 | Under 10 loans | 100.0% |
| Henry County, VA | 0 | Under 10 loans | 100.0% |
| Lexington city, VA | 0 | Under 10 loans | 100.0% |
| Martinsville city, VA | 0 | Under 10 loans | Not published |
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When Beacon Credit Union, Incorporated’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.