CHARTWAY FEDERAL CREDIT UNION
CHARTWAY FEDERAL CREDIT UNION received 2,133 applications in 2025 and made 1,205 mortgages, in 233 counties across 34 states. The median rate its borrowers got was 2.990% on a median loan of $105,000. Of 1,877 decisions, 587 were denials — 31.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300NWKILSNQAIG053 |
|---|---|
| Applications received | 2,133 |
| Mortgages made | 1,205 |
| Denied | 587 |
| Approved, not taken up | 85 |
| Withdrawn or incomplete | 256 |
| Loans bought from other lenders | 427 |
| Median rate spread over the prime offer rate | -4.19 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 | 158 | 6.000% | $425,000 | 11.4% |
| Refinancing | 318 | 2.990% | $120,000 | 29.2% |
| Cash-out refinancing | 28 | 6.313% | $235,000 | 30.0% |
| Other purposes | 701 | 2.990% | $75,000 | 35.3% |
Where CHARTWAY FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Virginia Beach city, VA | 250 | 2.990% | 26.6% |
| Salt Lake County, UT | 156 | 5.688% | 27.7% |
| Washington County, UT | 144 | 2.990% | 32.4% |
| Chesapeake city, VA | 133 | 2.990% | 27.2% |
| Norfolk city, VA | 88 | 3.690% | 29.3% |
| Tooele County, UT | 81 | 3.690% | 21.9% |
| Portsmouth city, VA | 38 | 2.990% | 33.3% |
| Suffolk city, VA | 36 | 3.690% | 28.6% |
| Harris County, TX | 26 | 3.690% | 56.5% |
| Utah County, UT | 26 | 5.625% | 38.6% |
| Iron County, UT | 25 | 2.990% | 27.8% |
| Currituck County, NC | 15 | 6.990% | 11.1% |
| Davis County, UT | 12 | 6.063% | 55.6% |
| Weber County, UT | 9 | Under 10 loans | 30.8% |
| Chesterfield County, VA | 9 | Under 10 loans | 44.4% |
| Isle of Wight County, VA | 7 | Under 10 loans | 22.2% |
| Newport News city, VA | 6 | Under 10 loans | 33.3% |
| Pasquotank County, NC | 5 | Under 10 loans | 0.0% |
| Wasatch County, UT | 5 | Under 10 loans | 16.7% |
| Loudoun County, VA | 5 | Under 10 loans | 0.0% |
| Hampton city, VA | 5 | Under 10 loans | 28.6% |
| Maricopa County, AZ | 4 | Under 10 loans | 0.0% |
| Franklin city, VA | 4 | Under 10 loans | 0.0% |
| Camden County, NC | 3 | Under 10 loans | 25.0% |
| Cumberland County, NC | 3 | Under 10 loans | 25.0% |
| Gates County, NC | 3 | Under 10 loans | 25.0% |
| Cuyahoga County, OH | 3 | Under 10 loans | 25.0% |
| Montgomery County, TX | 3 | Under 10 loans | 66.7% |
| Beaver County, UT | 3 | Under 10 loans | 25.0% |
| Richmond city, VA | 3 | Under 10 loans | 40.0% |
| El Paso County, CO | 2 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 2 | Under 10 loans | 0.0% |
| Dare County, NC | 2 | Under 10 loans | 0.0% |
| Johnston County, NC | 2 | Under 10 loans | 0.0% |
| New Hanover County, NC | 2 | Under 10 loans | 33.3% |
| Montgomery County, PA | 2 | Under 10 loans | 0.0% |
| Bexar County, TX | 2 | Under 10 loans | 0.0% |
| Dallas County, TX | 2 | Under 10 loans | 66.7% |
| Fort Bend County, TX | 2 | Under 10 loans | 60.0% |
| Cache County, UT | 2 | Under 10 loans | 60.0% |
| Fairfax County, VA | 2 | Under 10 loans | 0.0% |
| James City County, VA | 2 | Under 10 loans | 50.0% |
| Louisa County, VA | 2 | Under 10 loans | 0.0% |
| Hopewell city, VA | 2 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 50.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 50.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
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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.