NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION
NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION received 2,460 applications in 2025 and made 1,558 mortgages, in 19 counties across 12 states. The median rate its borrowers got was 7.490% on a median loan of $105,000. Of 1,926 decisions, 289 were denials — 15.0%, most often for other. 220 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493000E527OH5Y8TR73 |
|---|---|
| Applications received | 2,460 |
| Mortgages made | 1,558 |
| Denied | 289 |
| Approved, not taken up | 79 |
| Withdrawn or incomplete | 534 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.52 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 | 323 | 5.875% | $325,000 | 2.9% |
| Refinancing | 145 | 7.000% | $135,000 | 10.1% |
| Cash-out refinancing | 152 | 7.500% | $105,000 | 11.8% |
| Other purposes | 938 | 7.500% | $85,000 | 19.4% |
Where NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION lends most
The 19 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 | 257 | 7.500% | 8.2% |
| Newport News city, VA | 210 | 7.000% | 14.9% |
| Chesapeake city, VA | 197 | 7.500% | 16.0% |
| Hampton city, VA | 173 | 7.490% | 17.3% |
| York County, VA | 90 | 7.120% | 14.3% |
| Norfolk city, VA | 82 | 7.000% | 17.5% |
| Suffolk city, VA | 82 | 7.500% | 25.0% |
| James City County, VA | 75 | 7.250% | 12.2% |
| Isle of Wight County, VA | 73 | 7.250% | 12.4% |
| Gloucester County, VA | 69 | 7.490% | 13.3% |
| Portsmouth city, VA | 58 | 7.750% | 19.0% |
| Poquoson city, VA | 21 | 7.490% | 12.0% |
| Currituck County, NC | 13 | 6.625% | 0.0% |
| Mathews County, VA | 11 | 7.250% | 26.7% |
| Surry County, VA | 8 | Under 10 loans | 20.0% |
| Williamsburg city, VA | 5 | Under 10 loans | 16.7% |
| Camden County, NC | 4 | Under 10 loans | 0.0% |
| Dare County, NC | 2 | Under 10 loans | 0.0% |
| Gates County, NC | 1 | Under 10 loans | 50.0% |
Get told when this changes
When NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT 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.