CALL FEDERAL CREDIT UNION
CALL FEDERAL CREDIT UNION received 424 applications in 2025 and made 310 mortgages, in 32 counties across 2 states. The median rate its borrowers got was 7.250% on a median loan of $70,000. Of 403 decisions, 91 were denials — 22.6%, most often for credit history. 91 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900JH47ETFGVNKS92 |
|---|---|
| Applications received | 424 |
| Mortgages made | 310 |
| Denied | 91 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 21 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.833 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 | 14 | 6.688% | $200,000 | 16.7% |
| Refinancing | 14 | 7.000% | $90,000 | 17.7% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 273 | 7.500% | $65,000 | 21.6% |
Where CALL FEDERAL CREDIT UNION lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chesterfield County, VA | 121 | 7.125% | 3.9% |
| Henrico County, VA | 59 | 7.500% | 6.4% |
| Hanover County, VA | 50 | 7.500% | 2.0% |
| Richmond city, VA | 23 | 7.250% | 0.0% |
| King William County, VA | 7 | Under 10 loans | 0.0% |
| Amelia County, VA | 5 | Under 10 loans | 16.7% |
| New Kent County, VA | 5 | Under 10 loans | 0.0% |
| Powhatan County, VA | 5 | Under 10 loans | 0.0% |
| Prince George County, VA | 4 | Under 10 loans | 0.0% |
| Dinwiddie County, VA | 3 | Under 10 loans | 0.0% |
| Fluvanna County, VA | 3 | Under 10 loans | 0.0% |
| Caroline County, VA | 2 | Under 10 loans | 0.0% |
| Louisa County, VA | 2 | Under 10 loans | 0.0% |
| Northumberland County, VA | 2 | Under 10 loans | 0.0% |
| Prince William County, VA | 2 | Under 10 loans | 0.0% |
| Colonial Heights city, VA | 2 | Under 10 loans | 0.0% |
| Petersburg city, VA | 2 | Under 10 loans | 0.0% |
| Brunswick County, VA | 1 | Under 10 loans | 0.0% |
| Charles City County, VA | 1 | Under 10 loans | 0.0% |
| Cumberland County, VA | 1 | Under 10 loans | 0.0% |
| Essex County, VA | 1 | Under 10 loans | 0.0% |
| Goochland County, VA | 1 | Under 10 loans | 0.0% |
| Nottoway County, VA | 1 | Under 10 loans | 0.0% |
| Sussex County, VA | 1 | Under 10 loans | 0.0% |
| Covington city, VA | 1 | Under 10 loans | 0.0% |
| Emporia city, VA | 1 | Under 10 loans | 0.0% |
| Hopewell city, VA | 1 | Under 10 loans | 0.0% |
| Virginia Beach city, VA | 1 | Under 10 loans | 0.0% |
| Covington County, AL | 0 | Under 10 loans | Not published |
| Mobile County, AL | 0 | Under 10 loans | Not published |
| Loudoun County, VA | 0 | Under 10 loans | Not published |
| Mecklenburg County, VA | 0 | Under 10 loans | 0.0% |
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When CALL FEDERAL 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.